vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
I contacted Harvard Collection, the collection agency that took over the XXXX account number XXXX, on XX/XX/XXXX via phone number ( XXXX ) XXXX ) upon becoming aware that I had a derogatory report on my credit. I explained to the representative that they were pursuing me wrongfully as I was XXXX between XX/XX/XXXX and was not release by the XXXX XXXX XXXX until XX/XX/XXXX. I agreed to settle the bill, nevertheless, for approximately half the amount of {$1900.00} ... that is {$970.00}. As part of the settlement, Harvard Collections would provide the satisfaction to the credit reporting company. The payment was to be paid in 3 parts of XXXX on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX by auto pay from my chase checking account. 

On XX/XX/XXXX, I decided to call Harvard Collections to inquiry whether the satisfaction has been sent to the collection agency as agreed, but to my dismay I was told that i did not fulfilled the parameters of the agreement. They said, specifically that the XX/XX/XXXX auto pay from my chase checking account payment was not made. 
In addition, the representative said agreement made on XX/XX/XXXX was longer valid, and I would need to make a new deal that would consist of me paying over {$600.00} ... more than {$300.00} more than we had agreed upon. 
I immediately called XXXX and asked if an attempt was made from Harvard Collection on XX/XX/XXXX to withdraw the the XXXX, and if the payment was rejected for some reason. XXXX confirmed that the account was in good standing on XX/XX/XXXX and continue to be in good standing. 

My contention is that Harvard purposely and deceptively did not submit the final payment in order to claim a violation of the terms of our agreement and renege on the deal in attempt to extract more funds. 

I am hereby appealing to your agency to encourage Harvard Collections to comply with our original agreement. It is an atrocity that Harvard Collections would take such an underhanded route given the conditions that we as a society are living in -- we are going through a pandemic, and people can no longer claim ignorance to the struggles ex-prisoners go through in order to rebuild their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery keeps calling me numerous times per day spoofing numbers. I block the numbers but they justy spoof a new one the next day. They never leave a mesage and I have no idea why they are calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, STAPLES/CBNA add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK N A add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened a checking account on XX/XX/20. I set up a login and password, and was able to login. 

On XX/XX/20 I tried to login, and was unable to. I got a message " M & T has blocked online access to your accounts. If you would like to request that we reinstate access, or if you feel this block was placed in error, please call an M & T Online Customer Service Representative at XXXX ( Mon-Fri XXXX, Sat-Sun XXXX ET ). '' So I phoned and, after about 20 minutes on hold, spoke with XXXX. 

XXXX asked me to verify my identity by giving her the first 5 digits of my SS #. This is very suspicious, as usually I am asked for the last 4 digits. I gave her the first 5 digits, and she looked into my account. She said that she would send me an email to further verify my identity. 

Per the email, I received a text requesting a photo of my driver 's license. This is also suspicious. I took a photo of my drivers license and sent it to the number that texted me. Then I realized that the text asked me to click on the link in the text to send her a photo of my driver 's license. I clicked on the link, which brought me to a page explaining how to take a photo. I clicked on " continue, '' but it didn't continue - after several minutes the page still hadn't changed. This is also very suspicious.

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 2020-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: STERLING BANCORP
State: OH

Complaint narrative:
THIS STARTED IN XXXX OF 2020 STERLING NATIOAL BANK OFFER ME A LOAN OF XXXX AND I PAY XXXX FOR INSURANCE AND XXXX FOR XXXX THEN THEY WANTED ANOTHER XXXX SO TOLD THEM TO CANCEL MY LOAN ... .THEY TOLD ME I WILL RECIEVE MY XXXX BACK IN WHICH I HAVE NEVER RECIEVED IT BACK YET ... .I HAVE CALLED SEVERAL TIMES AND THEY GIVE ME THE RUN AROUND ABOUT MY MONEY.THERE NUMBER THEY CALLED ME FROM IS XXXX.I STILL HAV ALL MY CALLS IN MY PHONE 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
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I started opening my husband 's XXXX XXXX XXXX mail/bank statements as he had been in cognitive decline, with no business for over 2 years. I discovered a Small Business Credit Card statement from BANK OF AMERICA with a balance of approximately {$4000.00}. Payments had not been made by my husband for a few months. Since XXXX of XXXX, time of discovery, I have been making monthly payments, always at least a bit above the minimum required amounts. We are living on Social Security and my part time XXXX XXXX wage. The only activity on this account for several years now, have been my regular monthly payments and Bank of America 's interest charges. After 14 months, the balance still stands at {$3200.00}. 

Many attempts in person, on telephone have been made to reach resolution, make a settlement offer or at least reduce the interest rate on this dead account. After getting nowhere with my husband present, I obtained DPOA in XX/XX/XXXX. This is when he was formally diagnosed with XXXX XXXX XXXX. There was repeated misinformation given in the local financial center and over the phone on how to get my certified, notarized DPOA copies to the right Bank of America location. My DPOA forms have been sent three times since XXXX of XXXX, following three inconsistent instruction on the proper procedure. 
There have been literally tens of hours on telephone with offices in New Mexico, Delaware, South Carolina ... maybe others. I have worked my way up telephone heirarchy tiers to reach managers on several occasions, all promising to call me back with help/information re : a resolution or settlement procedure. Not one call back. 
Many calls have been dropped after hour-long holding or runaround processes. Most managers have said there is no sign of having received my DPOA. On XX/XX/XXXX one manager DID acknowledge that my DPOA actually had been received, but that it had not been " entered into the system. '' I have this manager 's first and last name. He promised to call me back with information the following day. I was hopeful. No call. 
On fruitless calls with managers since then, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and XXXX I was NOT helped after lengthy shuffling. Some calls were often dropped with no call backs. Apparently, at present, there is no sign that I have DPOA for this old inactive business account. I have regularly made 14 monthly payments since discovering my husband 's debt while interest fees continue to pile up. After frustration and misinformation I had to let it go for the last few weeks. 
Now I have found out about possible help from CPFB.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ON XX/XX/XXXX Bank of America placed a balance hold on my business checking account totaling {$4000.00} then placed a total account hold/freeze on my account. 
After calling their customer service innumerable times to try and determine why, there was no resolution. I've spoken to multiple departments and tried to escalate the matter, and after a collective call time of about 5 hours, I was finally told that apparently my account was flagged for suspicious activity and is under investigation. I then spoke to the risk closure department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a personal checking customer since XXXX, and a business checking account customer since XXXX. I am in urgent need of the funds in my account to run my business operations and this hold is affecting my greatly in these 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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX at the mortgage lending department of nations lending company so I thought. He instructed me that because I was in a forbearance with my mortgage company that my taxes had not been paid in an order for my forbearance to not be discontinued I would need to pay the outstanding taxes of {$720.00}. I was then instructed to pay via prepaid American Express card. Because I can not pay all at once I was given the opportunity to pay in two payments one prepaid card was in the amount of {$300.00} the second was for the remaining balance done two weeks apart. After finally not receiving any confirmation or information I decided to call the lending company XXXX XXXX  for verification and more information about the situation. I was informed by nations lending that this had been fraudulent activity and they would not do something like this to request money from me. I reached out to the prepaid card company which was bluebird American Express and they would not give me information about the card because the card had been registered in another name. I was then given instructions that I should file a police report and allow the police to investigate. After reaching out to the authorities they explained that I could file a police report but not sure if the monies would be reclaimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Synovus Bank
State: GA

Complaint narrative:
I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Kentucky Higher Education Assistance Authority
State: AL

Complaint narrative:
I first started receiving calls from Kentucky higher education after my dad died in XX/XX/XXXX. I avoided the calls at first but then decided I needed to clean up my credit so I answered the phone. I assumed due to my state of mind after my dad passed, this was the loan I got years and years ago. I even set up payment arrangements with the school so I could pay back hello. Well as I was getting deeper into my credit report trying to get things fixed I noticed other fraudulent activity on my credit report. Like having two other social security numbers linked to my account. Also several other accounts that were not mine and have since been removed as I look over my credit report I noticed the school that I originally got the loan was on there and the account closed. So as I'm looking at this Kentucky higher education it shows I've even made payments which I had not prior. It shows I got the loan in XXXX and I did not get a loan from that school in XXXX. I disputed it on my credit report and because I had signed an agreement they said that it was legitimate. I also reached out to the school and when they finally called me back, I had a long discussion with hey lady about my account I asked her to send me the original documents of the loan where I had initially started the loan with the company. I still have not received that documentation via email. She also went on and on about all the processes I would have to go through, which in turn, I told her that was not my loan. I'm not going to pay a loan that is not mine I will be taking action. I called and spoke with a lady with the credit bureau who led me to reach out to you guys. Please help me with this matter as it is going to prevent me from getting my stimulus or anything else that may come from the government like my tax return, ect. I do not owe this loan, and I can attach a copy of 2 of my credit reports. Then you can see that I did not get this loan and also see all the other fraudulent activity that was on my account. Thank you so much for your time and I hope to hear back very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical revenue collection service call my Job at XXXX. Told me about the debt for a medical bill for XXXX XXXX in the amount of {$600.00}. i kindly let him know that i could not pay it, he told me I have no choice but to commit to pay {$75.00}. They not accepting i can not pay. I do not have money and I do not like the fact he tell me I have to pay for something when I do not have the money. I won't them to leave me alone.

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 2020-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 a car rental agreement was put in place between myself and XXXX rental car in XXXX, pa. I was quoted {$85.00} from XX/XX/2020 until XX/XX/2020. Upon traveling to my destination which was XXXX miles from my home, I noticed the gas mileage per gallon seemed to be using more gas than usual. Fast forward to my return home on XXXX day around XXXX..once I was about 30 minutes from home, the vehicle was almost empty. I contacted the XXXX  representative via XXXX XXXX as she sent me a friend request in the app back in XXXX after meeting her securing a rental at some other point. On my way home I did reach out to her and explained all the safety issues concerning this car that she rented me and I traveled with my children!! When I went to secure the rental my capital one card was charged {$85.00}. When I dropped the vehicle back off, within 5 minutes while on my way home, I saw that she was trying to charge my card an additional {$220.00} for a full tank of gas plus the cost of the rental again. 
Because their charge was already pending, even though I canceled my capital one card, they somehow forced a payment of XXXX throwing my capital one card more than {$100.00} over the limit! Why did they charge me when the vehicle was picked up? Why did she charge me again..for gas at a rate of almost {$10.00} per gallon! During a nationwide pandemic?? This is price gouging at its finest! When I contacted capital one on Saturday, they advised the best way to deal with this would be to cancel that card so they could not continue to charge it. On Saturday and Sunday it was pending, by Monday it was pushed through ...

Company response to consumer: Closed with non-monetary relief