vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: CO

Complaint narrative:
XXXX XXXX, XXXX I tried to get all XXXX of my credit reports at XXXX. It only gave me XXXX report even after I tried XXXX times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Every month for the last XXXX years Portfolio Recovery Assoc. has ran an Account Review inquiry { s } on my XXXX  and XXXX credit report. I do n't have an account with them, and even if I did - the XXXX year negative reporting time window would have towed. For example XXXX XXXX, XXXX Portfolio ran an AR on my XXXX report. There were two ran on my XXXX report in XX/XX/XXXX. Plus the phone calls need to stop. It is like they are waiting for me to make a large purchase or something. Please help! 

Portfolio Recovery Assoc. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax confirmed my personal data may have bee compromised. I agreed to the free credit monitoring and several days later, Equifax sent an email containing an online link to finish the credit monitoring sign-up. Since then, two weeks, I have never been able to successfully access the website. Calling the telephone number results in long wait times. My most recent call was Friday, XXXX XXXX, 2017, and this was the longest I waited for an agent - 45 minutes. It would have been a hour, if I had thought to pick up lunch before calling during my lunch break. I hope XXXX XXXX will take action before his term ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have 2 bank of america credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

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 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
last year I opened a checking account with Chase, and got a {$300.00} bonus for that, but they charged me {$84.00} Federal interests withholding, which was not supposed to happen at all. According to the IRS documents and Treaty between the U.S. and my country, international students are exempt from paying interests tax within their first 5 years. 

When I opened my account, I told them I was an international student holding an F visa, provided all my documents, including passport, XXXX, XXXX form, and also, I filed the XXXX form. 

However, within half a year, they failed to give it back, and they kept asking me to file XXXX form again and again. I think I submitted my XXXX form three times in total. But they still could not solve the problem. So I filed a complaint with Chase, the person said they could do nothing about that and tried to convince me to contact IRS to get my money back from them, which was not making any sense at all. 

Therefore, I filed a second complaint with Chase again. Unfortunately, I have never heard them back yet, it has been another half year, I guess no one in Chase was and will still care my complaint any more, since I have already closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
NOT MINE, NO CONTRACT, NOT LIABLE, UNVERIFIABLE This account is claiming I opened it 23 years ago.I 'M XXXX which mean I opened this account at XXXX XXXX XXXX. This is not my account please remove it. I sent several letters and received no return response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: NJ

Complaint narrative:
I found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.

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 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AZ

Complaint narrative:
The original debt went into collections over 8 years ago. Keeps being sold and the original date keeps changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT. 
I called this company they could n't tell me why they are on my report .I sent letters to company asking them to send me what ever information that was used to open this account because its fraud no response after 5 months .I sent the credit bureaus letters disputing these accounts asking them to please investigate this fraud debt on my credit report because it was n't mine and to send me whatever the company sent them to verify the account. Thy just said verified and left on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX a payoff posted to my account in the amount of XXXX from XXXX XXXX from the trade of the XXXX XXXX. That was the payoff amount that I received from the system. The account was closed as well. For some reason I decided to login my account and say that it had been reopened with a balance of XXXX due on XXXX XXXX, XXXX. Lets keep in mind that I do n't have this vehicle anymore and it was paid off because I received another vehicle. 

I called in about a week ago and in the notes they put that payment was applied incorrectly and that it was reapplied. Then something was noted about a returned payment from XXXX months ago. I do n't know how that is possible. What I do know is that no extra money had been put in my bank account and no payment was returned. In addition, XXXX XXXX Sent me a refund of about XXXX on a refund card that I received in the mail the weekend of XXXX XXXX. 

I need this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The end of XX/XX/XXXXI called Wells Fargo Customer service to inquire about how to payoff my cash advances that were made on XX/XX/XXXX and XX/XX/XXXX. The rep told me as long as I paid by my due date which is on the 9th of the month the total cash amount plus my min pay that it would be paid off. Obviously this did not happen. I paid a total of {$3100.00} and it posted on my account on XX/XX/XXXX.

I received my statement around the XX/XX/XXXX and I realized that I had an interest charge for cash advances of {$25.00} on my account then i saw that my available cash for an advance was not showing all was available. It was showing i still owed approx {$1100.00} towards my cash advance. I called Wells Fargo on the XX/XX/XXXX and was told that they would request for {$3000.00} to be refunded back to my checking account they will keep. {$15.00} for the minimum payment so I would n't be charged a late fee. That request was denied with no reason why. I called back XX/XX/XXXX and a supervisor resubmitted again to get the refund and put in for the cash advance interest charge to be removed. I check my account 2 days later and the refund for the interest was put back but still no refund of {$3000.00}. The whole reason for the refund is so I can pay the {$3000.00} and for all of it to go towards the cash advance. Still no resolution on if and when I will get my money back. Then today XX/XX/XXXX I was informed that no matter what that according to the terms and conditions that any extra money over my minimum payment first was applied to the outstanding balance which was purchase at a 12 % interest which was {$1000.00} approx and after that balance was paid the rest went towards the cash advance. I do  not see how this is leg at based on the credit card act of 2009.

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 2017-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/XXXX, I purchased a two family home in XXXX, MA ( XXXX XXXX XXXX ; XXXX, MA XXXX ). The primary mortgage was in the amount of {$300000.00} and the second mortgage was in the amount of {$75000.00}. While my debt was owned/serviced by Bank of America ( hereafter, " BofA '' ), I qualified for HAMP  modifications due to unexpected and unforeseen costs associated with the property. 

The primary mortgage was eventually assigned to XXXX in XX/XX/XXXX, which assigned it to XXXX in XX/XX/XXXX. This mortgage is current. 

The second mortgage was extinguished through a modification in XX/XX/XXXX but BofA never filed the lien release. BofA has, however, has reported the account as " paid/closed '' /satisfactory since XX/XX/XXXX ( documentation provided ). 

Pursuant to a HELOC application with another lender, XXXX XXXX, a title search turned up the existing second mortgage lien. Since XX/XX/XXXX, I have been unable to successfully get BofA to commit to remedying. Although he is my assigned point person, I am not able to reach XXXX XXXX ( his calls always go to voicemail ). I was able to finally speak to him once on XX/XX/XXXX, at which time he indicated that BofA was researching whether the loan was a 'charge off ' ( though it was modified and reported to the agencies as such ( paid/closed ) for close to 8 years ). He indicated that it could take an additional 15 days to complete the investigatory process. XXXX XXXX wrote on XX/XX/XXXX to identify herself as the point of contact, although XXXX XXXX had stated an hour earlier that he was the point of contact. I do n't have much confidence that my case is not caught in a bureaucratic black hole. 

Given that this account was closed in XX/XX/XXXX, more than 7 years ago, that BofA is not remedying the situation immediately is exceedingly problematic. 

The case is indexed with the following internal BofA commit number : XXXX My details : XXXX XXXX ; XXXX ; Property Address : XXXX XXXX XXXX ; XXXX, MA 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 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.

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 2017-09-30 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: CA

Complaint narrative:
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.

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 2017-09-30 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: CA

Complaint narrative:
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: CA

Complaint narrative:
I have XXXX XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.

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 2017-09-30 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I received a letter from Ally after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with GMAC/ALLY AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the Ally is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from 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