vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, Bank If America, N. A. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this XX/XX/XXXX. From XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

America Bank N. A. was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX 

This collection is not mine, be cause back in XXXX I was the most valuable customer in Bank of Mercia.  Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX/XXXX/ XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent three letters which are attached to this dispute clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. In fact the 2nd letter I wrote was returned as frivolous so I took the time in the third letter to write a detailed explanation and I sent highlighted credit reports from Experian and XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. XXXX   deleted these accounts for inaccuracy in May once a dispute was filed. Experian claims that these two accounts have been investigated three times, but the date of status has not changed in the disputes indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the three letters sent to Experian, My XXXX and Experian credit reports and the three Experian dispute results. 

Thanks for you help in this matter, 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 2019-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted equifax, XXXX  and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. OnXX/XX/2019, I filed Complaint XXXX re Bank of America branch supervisor XXXX. 

2. On XX/XX/2019, I filed Complaint XXXX re Bank of America giving me misinformation and poor advice regarding deposit options and related holds for a check I was attempting to deposit. 

3. On Friday, XX/XX/2019, I missed a call from Bank of America " Enterprise Resolution, '' XXXX XXXX, Resolution Specialist, Regulatory Complaints, Bank of America, XXXX, extension XXXX. 

4. On Friday, XX/XX/XXXX, XXXX sent me an email I have a deadline of XX/XX/XXXX to respond. 

5. I called and left a voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

6. I called and left a second voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

7. I called and left a third voice message on XX/XX/XXXX, today, at XXXX XXXX, and have received no response. 

8. I attempted to press zero when calling the number, but the system will only allow you to dial an extension. The extension always goes directly to voicemail. 

9. Bank of America seems to be creating excuses to close cases and deflect substantive issues contained in CFPB Complaints that deserve resolution. They are doing so by setting deadlines for response, making themselves unavailable for communication, providing no alternative options for communication, and being unresponsive to messages from consumers.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC reported me past due 30 days in XX/XX/XXXX. Call was placed and matter was corrected. Past due status was corrected shortly thereafter and late pay was removed. Two months later, PNC once again reported me past due to all 3 credit bureaus. Balance has since been paid out entirely. Reporting should be corrected as it has lowered my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I keep getting phone calls every single day. I don't owe any debts to anyone or any company. 
Ive called them 4 times in a row to get information & they wont tell me anything. They just ask me questions about my family members and personal information. Which I refused to give them because they are calling ME. 
When I called them back they said someone I know used my phone # during an application for credit or utility of some kind. They wont give me any other information. 
I told them to stop calling me because I dont owe them anything. 

SEQUIUM - ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AL

Complaint narrative:
XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX  and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from XXXX  stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since XXXX  has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to XXXX  and to Enhanced Recovery on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to properly investigate my dispute around errors contained in my credit report for XXXX XXXX account number XXXX XXXX & account number XXXX XXXX. I have sent a letter clearly stating the inaccuracies and requesting the accounts be removed from my credit report due to the errors. Experian has not made a good faith effort to investigate my claims nor have they forwarded any documentation supporting their position. I sent highlighted credit reports from Experian, XXXX  & XXXX  to contrast the payment history reporting. Its clear Experian has not fulfilled their obligations under the Fair Credit Reporting Act. They claim these two accounts have been investigated but the date of status has not changed from XX/XX/2016 indicating information was not updated or reviewed. I am requesting that the CFBP force Experian to meet their obligations under the FCRA and delete these entries for erroneous information. I have attached copies of the letter sent to Experian, My XXXX, XXXX  and Experian Credit reports and the Experian dispute results. 

Thanks for you help in this matter, 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 2019-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX, transunion and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my 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 2019-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX, XXXX and experian to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my 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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have 2 accounts with TD Bank. One is in the negative which I was going to fix on theXX/XX/XXXX. Instead,. they have taken all the money out of my one account down to {$000.00} to cover the negative on the other account. They should not be allowed to do this because now I may have negative charges. If they are doing this to me, they are doing this to other people. They have no right to take positive cash out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: SC

Complaint narrative:
XX/XX/2017 I inquired with the Premier Student Loan Center about reconsolidating my student loans from my XXXX degree. The gentleman I spoke to told me that once my application is approved, I would have to pay a fee which would be divided into 4 payments to get my application started and that would go towards my loans. First problem, I never received a copy of my application to review, only emails from the company. After the payments and future payments were deducted from my account, I did not hear from this company unless they did not receive a balance. As months passed, I kept receiving statements from my " previous '' student loan provider. My balance continued to increased with no payments being added from Premier Student Loan. Also, I never received any receipts for any of my payments I made, and each time I would inquire about getting a receipt for my payments, they always have an excuse as to why I cant receive it. Many times I would call this company during their " business hours '' and I would not receive an answer and if someone told me they would call back, they don't honor their word. I would have to call the company back after days of waiting for their call. Each time I would speak to someone, I would always to be something different from the previous representative. My payment for this month has not been deducted from my account and I can't get an answer from the company to figure out what is going on with my account. I have tried to give this couple a chance. Now I realized that everything I have been told from this company is a lie. I am disappointed in this company and all the false promises they have made. I want to cancel my account with this company!! In addition, I want a full refund of all the money I have paid including all the interest that have accrued on my student loan account during my years with this company. If not, I will get a lawyer involved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had filed a previous complaint XXXX. Unfortunately you guys close it too quickly and I didn't get a chance to upload additional information. Citi had asked us to put together additional information which we did. We called them and they have yet to call us back. The " perk '' of this card is to extend the manufactures warranty if you bought it from XXXX. I bought the XXXX XXXX XXXX from XXXX and they are refusing to honor the warranty and looking for any loop hole to get out of honoring this legitimate claim. I have 4 calls into XXXX the manufacture of the camera and all those calls resulted in XXXX saying yes it is covered under the 1 year warranty. Here are additional documents we put together showing specifically that the camera is warranted to operate at depths of 49.2 feet for up to one hour. Citi is hasn't called us back so I am filing this complaint. I find it ridiculously frustrating that Citi keeps acting like this isn't a " water-proof '' camera and shouldn't have been in water. I even attached a XXXX search that shows it is marked as a " water-proof '' camera.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I filed bankruptcy 7 years ago and experian and other creditors are giving me a bad report these are incorrect and it's giving me a low score I owe nothing but my mortgage and 2 credits complies which I have never been late on these creditors need to update my profile or I will contact OIG and fair Act Crediors.Experian and XXXX are giving me wrong times dates I owe nothing never been late ....

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 2019-07-17 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: GA

Complaint narrative:
Equifax is reporting incorrectly a charge-off in the amount of {$710.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I challenged this account in court and won. The creditor agreed that I did not have to pay and would not be liable for any outstanding debt. This charge-off has recently appeared on my credit report. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is an amount of the report that I dont owe. This is from a person in Texas that is trying to collect. However this is not my debt.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: IL

Complaint narrative:
On XX/XX/2019 I was attempting to purchase a new car from the XXXX XXXX XXXX and they informed that my Experian and XXXX credit reports each contained a security freeze. While I was immediately able to unfreeze my TransUnion credit report via their website, the Experian report showed it being unlocked on their membership website that they gave to me. On XX/XX/2019 I spoke with XXXX and they still said that it was frozen. When I actually called Experian they said that it was frozen and that I needed a PIN that had been sent to me in the mail at the time of the freeze. I informed them that I never received it and why on earth would they send a PIN that could unlock my credit report through an unsafe delivery system where anyone could take it? Then they wanted all of my private info such as bank statements, utility bills and copies of my government identification to be sent to them via the US Mail and then they would mail me my pin -- again, another chance for some credit thief to get my personal information. When I asked XXXX the supervisor if I could speak to his manager he laughed and refused to help even when I pleaded with him that I had to buy a car to continue to keep my job. Furthermore, he wouldn't say if he was in the US or not and refused to give me the name of the operator who I had spoken with previously even when I said that I was going to file a complaint with the FTC he didn't even care about my situation and was uncooperative. I became very upset and hung up the phone and now here I am. I need my credit report unfrozen and I think that the FTC should fine Experian so that in the future they try to help their customers instead of making it so difficult to deal with them -- especially since they have such a monopoly on the credit reporting industry.

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 2019-07-17 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:
XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Target, XXXX XXXX. Target has sent many notices and phone calls. Have threatened me with a law suit. Have an attorney ( XXXX XXXX ). Want the threats stopped and notices stopped. XXXX is worse. 10-20 calls a day. 5-10 calls to my cell. Several notices a week. Again I have an attorney. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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:
XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.

Company response to consumer: Closed with explanation