vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

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 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XX/XX/XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders  with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. <P/>The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. <P/>A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. <P/>They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I bank with bank of America and this month they really missed my account up and I might get kicked out of my home for what they did with my rent check!! My landlord deposited my rent check in her account on XXXX XXXX, 2017 and it hit my back that evening. Well I get my check on the XXXX ( XXXX ) of the month in the amount of {$2500.00}. Bank of America bounced my rent check on the XX/XX/XXXX and when my deposit it the bank that morning I was over drawn for that rent check of {$1900.00} and some other things. Bank of America took over XXXX dollars out of my checking account to cover all the over drafts. So I ASSUMED after that they the bank PAID my rent check?? WHY ELSE WOULD THE Bank of America take the funds from my account? So now on the XX/XX/XXXX I check my checking account and to my surprise BANK OF AMERICA DEPOSITED THE XXXX FUNDS BACK INTO MY ACCOUNT???? My rent check bounced and I had to call my landlord. I went and got a XXXX dollar money order and sent it to my landlord. I called the bank and they have no answer for me.. Now that check and every other bill I have going thru this account will be over drawn. I 'm so sick of the way Bank of America has done what ever they please with you funds. They move yours funds around to make sure you over draw and those fees add up fast. I live on a fixed income. That 's how the banks get you. The banks know you have no funds to cover any of their fees until the next check.. Very disrespectful. XXXX XXXX email : XXXXXXXXXXXX address XXXX XXXX XXXX, XXXX, De. XXXX Phone : 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 2017-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I transferred {$1000.00} from my bank at Bank of America account on XXXX XXXX 2017 thru my mobile application to my bank account in XXXX. The money never made it to the account in XXXX due to a misspelling in my first name. After 2 weeks I called Bank of America in the us they kept passing me around making me reidentify myself every time and retelling the same story over and over again.they finally promessed me that the money would be send back to my us account. A week later I called again and was put on hold for 45 minutes without being able to talk to anyone .i would appreciate anything you could do to get my money back Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: Action Collection Agencies, Inc.
State: CA

Complaint narrative:
First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: McKenzie Paul & Associates
State: WA

Complaint narrative:
Someone by the name of XXXX from " McKenzie Paul and Associates '' called and woke me up at XXXX PDT looking for my ( adult ) daughter. I live in XXXX ( XXXX ) Washington ( I 've worked for XXXX since 2012 ) ; they are in XXXX Texas. <P/>They did not identify themselves as debt collectors and refused to identify the purpose of the call - only that they were trying to contact someone with by daughter 's first name. They implied, though I 'm not sure they stated that they were a law firm. <P/>They gave a return phone number of XXXX, which appears to be their main number. Caller ID gave XXXX. <P/>I warned him that he woke me and I was on the west coast. After XXXX his company, I 'm more than a little upset that he woke me over a matter than does n't involve me. He 's kind of screwed up my morning schedule. <P/>Besides, calling before XXXX is a violation of the Fair Debt Collection Practices Act and the fact that he did not identify himself as a debt collector prevented me from giving him a proper warning. I 'd appreciate it if the CFPB did that for me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: BB&T CORPORATION
State: FL

Complaint narrative:
I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: SC

Complaint narrative:
I have contacted Equifax dating back to the end of XXXX. Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around with Equifax has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. The back and forth is asinine. I have already had to dispute my own identity with the INCORRECT birth-date and misspelling of my name and yet me telling you I did not authorize the inquiries is baffling. You do n't have the basic information entered properly! I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I always pay my debts on time. I paid my Macys card in full and put the card away. I went on vacation and returned and found that there was an unpaid XXXX  dollars of which is not a credit debt  but a FEE they charged for their card not upfront as disclosed but almost four months into the card issue. Reporting it as credit debt not paid is incorrect. It was an after the fact, fee not disclosed when I opened the card in the store with the salesperson. It was my understanding that when I paid my amount in full  that fee was PART of the extended credit debt. It was underhanded and has caused me no amount of frustration as the only negative on my credit report. I have tried to dispute this issue since it occurred and have received no relief. I want this removed from all three of my credit reports.
 
XXXX/XXXX   #XXXX****
XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX 
Date Opened:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Revolving Account
Loan Type:	CHARGE ACCOUNT
Date Updated:XX/XX/XXXXPayment Received:$XXXXLast Payment Made:XX/XX/XXXX	Pay Status:Current; Paid or Paying as AgreedTerms:Paid MonthlyDate Closed:XX/XX/XXXXDate Paid:XX/XX/XXXX
>Maximum Delinquency of 60 days in XX/XX/XXXX for $XXXX<
High Balance: 
High balance of $XXXX from XX/XX/XXXX toXX/XX/XXXX $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXX toXX/XX/XXXX
Credit Limit: 
Credit limit of $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX fromXX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXXto 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 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation