vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed online complaints with Equifax two times. They sent one confirmation to an old address-thankfully the resident there knows me and gave me the mailing. The next complaint they sent to my email and then when I try to see the results - it says they can not verify me. Maybe because they have an old address and the wrong DOB. I note that both XXXX and XXXX have my correct DOB- XX/XX/XXXX. 

I then called XXXX at XXXX the XXXX and the operator, XXXX, said after drilling me 'that he couldn't verify me? ' I received per my two written complaints confirmation # XXXX and XXXX. To which XXXX said he had no record? I then asked to speak to a supervisor and spent 30 mins on hold before hanging up. 

Please help me, XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I requested a credit freeze on my account on XXXX XXXX on XX/XX/XXXX I logged into my account online to temporarily lift the freeze for a few days to conduct business. I successfully logged into my account and filled out the request form completely, including the pin number issued at the time the freeze was initiated. The system replied that the information on the form was incorrect. I tried requesting a new temporary pin be issued. The system again said my information was incorrect. I tried calling the listed number for customer service only to receive Robo replies with option to address my issue and then the phone disconnect from my call. I had to research to find a phone number for an actual person. After finally making contact with a actual person, they confirmed I was entering all of my information correctly but their online system refused to identify me. We also discovered the pin number on their end did not match the pin number they issued to me for the freeze. I needed my credit account be accessed the next day, so my need was urgent. They were no able to determine why the online access was not granted to me. But they offered me solutions regarding mailing me another pin number but did not explain why the system would not recognize me. In order to expedite the mailing of the pin number to me they charge me a {$20.00} fee due to their errors. I requested they waive the fee because they system problem was on their end. They refused From my perspective and reasonable logic the fee should have been waive and the failure to do so amounts to extortion. 

I do understand the extreme measures they need to take in ensure privacy of all the data they collect on a individual and appreciate them doing so. However, when the problem is on their end, they should be charging the consumer to fix it.

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 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Was called from a phone number of XXXX at XXXX XXXX Central Time on XX/XX/2019. Sent to voicemail as I didn't recognize the number. The caller ( not recorded ) asked for XXXX XXXX in regards to XXXX XXXX (? ). Left a phone number of XXXX with reference number XXXX. I am not XXXX XXXX. I don't know any XXXX XXXX. I don't have any outstanding debts. Even if that were the case, no one should be contacting anybody except employers about other people 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have my identity stolen from someone and opened up credit cards without me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
on XX/XX/2019 My sister sent me XXXX from her XXXX account that uses XXXX. She used my cell phone number to locate my account. I have had a XXXX account for more than 20 years and I Have been using this cell phone number for about 10 years. When she did the transfer I received a text to my phone saying money was transferred to my account in PNC bank. I DO NOT have a pnc bank account. I don't know where the money went but it did not come to my account. I went to PNC bank and they couldn't help me because they said they could not find an account by phone number. I showed them the text which included the last four digits of the account the money was transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Sapphire Preferred Credit Card under the impression that the promotional benefits were XXXX points for {$4000.00} spend in 3 months and 0 % APR for 12 Months. I got my points but didn't realize I was being charged interest until my 4th month in. I brought this up with Chase 's credit card department and they said they have never offered this promotion. I found the ad I saw before applying and brought this up. They don't maintain a record of their advertisements, according to the agents I spoke to, so it came down to their word. I feel taken advantage of in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
- In XX/XX/XXXX I leased a XXXX vehicle and financed the lease with GM Financial - At that time auto-pay was set up for my $ XXXX/mo payment - I was also enrolled in paperless billing - Auto-payments were processed monthly, without issue, from XX/XX/XXXX through XX/XX/XXXX - In XX/XX/XXXX my payments stopped being processed - I never received a letter, email, text or any other written communication calling my attention to an overdue account - I continued to receive standard monthly emails informing me my monthly statement was available online -- none of which contained verbiage alerting me to an issue - While trying to buy a home, I realized my credit score dropped dramatically due to a late payment reported by GM Financial - I immediately paid my account in full and called GM Financial - GM Financial informed me that they had tried to call me - It turns out they did call ; however, they called from an unknown number and left a message that did not indicate who they were or where they were calling from. It only provided a phone number to call back. 
- Given the lack of information, I perceived the calls to be dangerous/predatory and I never returned them - When I saw the credit score and called the customer service number, I was informed that GM Financial 's policy does not allow them to disclose the company 's name or the nature of the call on a voicemail - Despite my attempt to escalate, GM Financial refuses to remove the late payment remark from my credit reports - As a result, I no longer qualify for the home loan product that will allow me to purchase my family home. 
- I still do not know why my auto-payments stopped being processed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: GA

Complaint narrative:
Experian refuses to initiate my disputes on line and continues to list fraudulent information 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 explanation
Consumer complaint received 2019-04-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have my identity stolen from someone and opened up credit cards without me knowing it.

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 2019-04-05 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: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I went XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX to seek treatment for a XXXX XXXX. I paid my required copayment and they filed the claim with my health insurance. I was under the impression that I have complied with the requirement for a health insurance claim. Nearly two years later, I now have a {$230.00} collection account on my credit report and will remain on my credit report for seven years unless the claim is paid by my insurance. 

When I contacted XXXX XXXX XXXX XXXX XXXX onXX/XX/2019, I was told the claim was denied because XXXX XXXX XXXX XXXX XXXX did not file claim within 12 months from the date of service. I file an appeal with XXXX XXXX XXXX XXXX XXXX of MS but my claim was denied stating it was not filed timely. I did not receive any correspondence from the creditors giving me an opportunity to pay for the bill before it was placed in collection and on my credit report. 

According to the Medical Debt Act of 2016, The bill amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period. I never received any documentation in writing about an unpaid medical bill. 

The account was reported to all three credit bureaus before 180 day after being delinquent. The date opened on the account is also incorrect. The date of service was XX/XX/2017, it is being reported on my credit reports as XX/XX/2018. I have disputed this debt with XXXX  and XXXX and the debt was verified as accurate. I have contacted the original credit and collection agency to pay the bill in full to have the item deleted, since this is clearly a clerical error for untimely processing. I had health insurance at the time of office visit. The original creditor stated they will call or email me back but I never heard from them. I am requesting that this item be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: MI

Complaint narrative:
XXXX Bank is reporting On my Transunion report this account is Fraudulent account it is Fraud I have already provided Transunion with the Police report stating that it is Fraud and Not my account as well as a victim of Identity theft. I have Called and Sent in several disputes and letters and they have Not removed this Fraudulent account Please Have them remove it because they are violating the FCRA. This Inaccurate information reporting is effecting my credit. Below is the Fraudulent information I have also attached a copy of my police report as well. Below Open Date XX/XX/2016 Account Number XXXX Current Balance 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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank oF America Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from Bank of America to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to BOFA ( Bank Of America customer Service ) regards to my Credit card and they said my credit card was on collection company name XXXX XXXX, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by BOFA. I try to contact BOFA Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019

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 2019-04-05 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: GA

Complaint narrative:
XXXX refuses to initiate my disputes on line and continues to list fraudulent information 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 explanation
Consumer complaint received 2019-04-05 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: GA

Complaint narrative:
XXXX refuses to initiate my disputes on line and continues to list fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Citi credit card ( with XXXX ) for the las

t 3 yrs. My husband was added as an add-on card member without my permission and his credit too was pulled for this ( without his permission ).

Recently when my husband pulled his XXXX report he was shocked to see that his credit was pulled for this card and this card was being shown on his XXXX report as an account. As he was not supposed to be on the card, he called Citi Customer Service ( around XX/XX/XXXX/ XX/XX/XXXX )  and explained the issue and asked to be removed from my account. In XX/XX/XXXX when he checked his XXXX report again, this card was still showing up on his account. 
To remove my husband from my account I called Citi Customer service on XX/XX/XXXX and was prompted to go to the automated service. Here I reached a point where I was asked to respond if " You would like to remove an account holder or close an account ''. Only one prompt was given for both actions- NOT A SEPARATE PROMPT FOR EACH ACTION. So, I had no choice but to select the prompt thinking that the next step would be to reach a customer service rep to remove the additional user ( that was the whole idea from the beginning, but the system kept saying choose the prompts to serve better ). However, what happened next was a big blunder by Citi and a nightmare that I am still living. The system just closed my account without confirming my action. I was utterly shocked to hear the automated system telling me that my account has been closed. 
I spent the next couple hours that day and subsequent days running behind the customer service to fight my case. On reaching a customer service agent he spoke like a robot repeatedly saying that this was not a bank error and that nothing can be done. He was extremely rude and not willing to help. On requesting to escalate the matter, he repeated that nothing different will happen even by the manager. Finally after much drama he connects me to the supervisor. The manager here tried her best but she got back saying that the 'final decision ' was that it was not a bank error and so nothing can be done. I was told that I had no choice but to open a new account from the scratch. The bank declined re-opening my account. 
This will have major negative impact on y credit- Closing an active and well maintained account, running my credit again for a new account, changing my card information on all my billing accounts. 
This is a major blunder on the part of the bank and its automation system. I am in no way responsible for this. 
I expect the bank to take responsibility for this and reinstate my account back again without any negative impact.

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 2019-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My complaint is about a Chase representative who lied to me and provided me with false contact information. 

I previously filed a separate complaint against Chase because I was unable to open an account online, despite their advertising that one could open an account online. ( complaint ID XXXX ) This complaint is because on XX/XX/XXXX I received a voicemail response from a Chase rep " Greetings, this message is for XXXX XXXX. And this is XXXX with Chase Bank executive office. This is just an acknowledgement call to inform you that we have received your concerns from the cfpb, and we will be responding to you and to the cfpb by the due date in the event that you have any questions for me. You can reach me at XXXX XXXX. My extension is XXXX, and my hours are from XXXX XXXX  To XXXX XXXX   Central Standard Time Monday through Friday. Thank you and have a good day. '' I called that number extension XXXX, and asked to speak with XXXX. The man who answered said that there are several XXXX who work in the executive office ( yeah, right ) and asked me for his last name, which I didn't know. He also said that the extension was incorrect, as their extensions are 7 digits long ( yeah, right ). He claimed that he was unable to find my complaint and therefore was unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My checking account with Suntrust closed, causing my online banking profile to become invalid despite me having a Suntrust Credit card. I have contacted Suntrust multiple times to rectify to no avail. I need access to online banking to be able to use this CC effectively.

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 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to close my checking account with BBVA several times. This is the third letter I have received from BBVA saying that I have a balance duewhich is impossible because my account was frozen, closed now, and the balance is XXXX. I brought in a similar letter to the one that I have received today to a BBVA banker, and they even reassured me the letter was wrong. This letter im receiving now is threatening to send my supposed balance of {$140.00} to debt collections, which could interfere with my credit as I am in the middle of closing on a house. I am extremely livid, and I assure you numerous negative reviews will be given about the banks service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: IL

Complaint narrative:
On Tuesday XX/XX/2019 I received a vm from JPL recovery solutions. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.

Company response to consumer: Closed with explanation