vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed all my accounts ( 4 personal credit cards, 1 business credit card and 1 bank account ) by themselves and they stated that I violated their T & C and they state that they have the right to close all my accounts at any time. They also forfeited my rewards that I had earned from the credit cards ( close to {$1000.00} in rewards ) and they would not let me redeem my rewards that I earned it myself. Their T & C clearly state that rewards don't expire and I have the right to get my rewards that I earned and they are supposed to be mine.

When I tried to contact them and asked why they closed my account, they would not tell me or give me any information. I have always paid my credit card balance on time and never had a late payment. I always tried my best to be their best and loyal customer.

Could you please contact them on my behalf and ask them to give all my earned rewards ( close to {$1000.00} in cash value ) and ask them if they can open my account ( s )?

Also, I would greatly appreciate if they can provide a more detailed answer on why all of my accounts were closed before trying to discuss anything with me?

Thank you so much!

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 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME

Complaint narrative:
I purchased my home in XX/XX/XXXX and after a couple/few months, my mortgage was sold to Lakeview Loan Servicing. In XX/XX/XXXX, I mailed my mortgage payment ( a check in the amount of {$1000.00} ).  Nearing the end of the month, the check had not been cashed and the mortgage company claimed they never received it. I then had XXXX XXXX XXXX  complete a " stop payment '' on the missing check, and I proceeded to make ANOTHER payment, online. On XX/XX/XXXX, {$1000.00} was taken from my bank account to pay my XXXX mortgage payment.. Fast-forward to XX/XX/XXXX, I received a letter stating that my XXXX check, in the amount of {$1000.00} was returned as " no sufficient funds. '' I called my mortgage and explained to them that I put a " stop payment '' on the account, because the check was missing and if I made another payment and the check re-surfaced, the check would bounce. I spoke to my mortgage company SEVERAL times in the month of XXXX and was told that the issue had been resolved, and my next mortgage payment would be due on XXXX. On XX/XX/XXXX, I made my XXXX mortgage payment online ( the funds came out of my account on the XXXX ). Starting XX/XX/XXXX, I began receiving robo-calls from Lakeview. I returned their call and was told that it was a courtesy reminder for my XXXX loan payment. I explained that I paid my mortgage, and that the funds came out of my account on the XXXX. Lakeview then tried to tell me that on the XXXX, there was a " reversal '' for " insufficient funds. '' I informed them that that was an ERROR, because the money came out of my account ( there was still money in my account ) and NEVER went back in. On XX/XX/XXXX, I contacted XXXX XXXX XXXX for proof ( statement with tracking number ) of my XX/XX/XXXX payment - this informed was sent to the mortgage company. On XX/XX/XXXX, I received an email from Lakeview stating that indeed, they did receive my XXXX payment, however, they used the payment to pay my " missed '' payment in XX/XX/XXXX .... As of XX/XX/XXXX, I am having to provide proof AGAIN, that my mortgage payment for XX/XX/XXXX was indeed made.

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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I reviewed my credit report on XX/XX/2019 and discovered Procollect , Inc collection account # XXXX. 

XX/XX/2019- Sent Validation request to Procollect XXXX Reviewed XXXX  credit report Procollect account is still reflecting, although I I received no validation of debt from Procollect

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 2020-01-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I obtained a XXXX rewards visa from chase XX/XX/2019 that promised to provide rewards points for purchases. I noticed that I'm not getting credit for the points. I called both XXXX and Chase service re : last 4 digits XXXX of my CC with them today 3xs. I  was told that it's not their problem and they accuse XXXX as the problem. XXXX accuses Chase is the problem. One of the CSRs for Chase said there is an incorrect email causing this problem but refused to tell me what that email is. Another Chase CSR says everything is correct. I asked to escalate this problem and to send me  documentation. They refused that. I think that Chase is intentionally avoiding responsibility. I complained to XXXX under incident Please reference Case #  XXXX. Chase should talk to XXXX to resolve this since they have the business relationship and contracts with each other but refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
In XX/XX/2019 Flagstar Bank issued a home insurance payment from our escrow account to XXXX in the amount of {$320.00}. This company had been cancelled as we were now with XXXX XXXX. Flagstar has admitted they sent the payment to the wrong company and because of the length of time XXXX  is not issuing Flagstar a  refund because the wrong account # was affiliated with our name when submitted. The wrong person 's account was credited and because that person had already paid their policy they received a refund from XXXX. Customer Service at Flagstar let me know that it was being handled as a bad debt and that it would be processed and refunded to us. This started in XX/XX/2019 and is still continuing. Just to add some spice to this whole thing, we sold our house on XX/XX/2019 and had to pay the shortfall in our escrow. The customer service rep I have been working with approached them again and now they are saying the loan is paid off so we see this as finished. I will tell you that this particular agent is working with 5 other customers with the same problem and no accountability from Flagstar. I need this resolved and am very upset that a bank can get away with this kind of behavior. We couldn't have sold our house if we didn't pay the pay off figure given to our Title Co. Please, help us with this unjust and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2019 our home was damaged due to an electrical fire. My family has not occupied our home. The funds of $ XXXX has been deposited with the Select Portfolio Service for disbursement to my contract. A payment 1 of 3 was to be mailed today in the amount of $ XXXX. SPS has informed me via the web-portal ... XXXX   that only the amount of less than $ 27K has been released. However, this comes after weeks of being told that the check is in transit. Now, my contractor is ready to walk-off the job and sue me for breech of contract as he can't start the re-build process without the funds. In addtion, due to this delay, my insurance housing allowance is being exhausted and my family is now facing the issue of not having enough funds to cover our housing due to this one-month delay. I'm requesting immediate assistance to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX  partial account number ***XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Previous loan servicer ( XXXX ) processed income-based loan repayments for public service loan forgiveness at {$.00} less than qualifying amount for nearly 3 years. The repayments were on auto-pay. Now I am nearly 3 years behind schedule for loan forgiveness. I contacted my new servicer ( FedLoan ) and they took nearly a year to review my issue, but it was denied. I asked for another review several months ago and have not been updated yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
A Cease and Desist and Validation request was sent via Certified Mail. The request was made withing 30 days. Vendor refused the letter and sent it back unopened.

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 2020-01-27 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-01-27 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2020-01-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this 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 2020-01-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern I recently obtained a copy of my credit reports that reflects that as of XX/XX/2020, my COMENITY CAPITAL/XXXX  account is reported as closed. This information is incorrect, and hence has negatively effected my credit score. I did not authorize nor attempt to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These are not my accounts on my Transunion credit report.

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 2020-01-27 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: TX

Complaint narrative:
A collection account is on my bureau. However the original creditor has been paid. I sent Transunion a copy of the receipt from the original creditor and a copy of my credit card stmt showing payment. They say the collection account has been verified. Kind of hard to verify a collection account when the original creditor has been paid.

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 2020-01-27 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: MN

Complaint narrative:
Not my account reporting on my credit report.

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 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment. 
Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX. 
Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done. 
I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue. 
I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
BANK OF AMERICA CREDIT CARD SERVICES HAS NO PHONE NUMBER THAT ANSWERS IN A TIMELY MANNER TO ALLOW A CARD TO BE STOPPED OF ANY FURTHER CHARGES DUE TO DISPUTED CHARGES SHOWING UP ON MY LAST BILLING STATEMENT, I HAD NO NOTICE OF POSSIBLE FRAUD ACTIVITY FROM THE CARD COMPANY EVEN THOUGH THERE IS 3 CHARGES TOTALING XXXX, TWO SEPARATE CHARGES FOR XXXX EACH ON XX/XX/XXXX, AND ONE CHARGE OF XXXX ON XX/XX/XXXX, I HAVE CONTACTED THE TWO MERCHANTS WHERE THE CARD WAS FRAUDUENTLY USED AND THEY BOTH SAID THAT BANK OF AMERICA CARD SERVICES HAD BEEN HACKED, AND THAT THE FTC IS ALREADY INVOLVED. MY COMPLAINT IS WHY HAVE I NOT CONTACTED TO DISCONTINUE THE USE OF MY CARD, AND TO RE-ISSUE ME ANOTHER CARD. ALSO WITH THESE BAD CHARGES I AM OVER MY CARD LIMIT AND HAVE NO NEW CARD.

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 2020-01-27 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: MN

Complaint narrative:
Not my account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: COAST PROFESSIONAL, INC.
State: MI

Complaint narrative:
I have been receiving letters from a collection agency called Coast professional, Inc. They have also started garnishing my income bi-weekly. I mailed them my first letter XX/XX/XXXX, requesting that they validate my account and send me the original documents of indebtedness, and in exchange I will pay the account in full. They responded by saying that the account has been validated but they failed to send me the ordinal documents as requested. I mailed my second letter XX/XX/XXXX and my third letter XX/XX/XXXX. I have yet to receive the original documents as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted both XXXX and TRANSUNION to verified this account. Both companies XXXX/Transunion came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted TU and they said they don't provide such information. I also contacted XXXX to please provide me with verification of the account and also i didn't get anything from them

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