vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went into Bank of America located at 1 XXXX in XXXX XXXX to cash my check on XX/XX/20 and was subsequently denied, due to my race, after several excuses. I was first told that I could cash my check, then told I could not get any cashiers check, then told I could not cash my check due to check cashing limits, then was told that I needed to open an account to cash my check, then told the systems were down. It should be noted that individuals came into the bank, all XXXX and spoke with bank employees, who were all XXXX, at this point is when I was denied cashing my check. I later checked on the policies of the bank re : check cashing which turned out to be no bank policy at all. These individuals were making up their own rules to deny me cashing my check. I am XXXX XXXX. To test one of their excuses, I had an individual who has a bank account with this bank, go in and withdraw a well over the limit they indicated you can not withdraw, so obviously that was a lie. They told me they could not cash anything or allow to be withdrawn over {$5000.00} as my check was more than this. I had this individual go in the next day and withdraw {$6000.00} out of their account to see if that was their policy, and of course, it is not. Also, it should be noted that I recently sued this bank, so I am not sure how much of a factor, if any, this played in my being denied to cash my check.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

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 2020-01-31 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-31 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Companies keep contacting me about hospital bills i never had.

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 2020-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called capital one 3 times in regards to why my Walmart MasterCard was closed because in the website on my account it says the account is restricted which I have never seen before. The Walmart MasterCard was owned by synchrony bank and then was sold to capital one in XX/XX/XXXX. Looking into my account my account was closed without my authorization or consent. I asked them why capital one said they were not sure why it was closed. I called on XX/XX/XXXX to have my account reopened, capital one informed me that it would take a couple days for a response. I got a call on XX/XX/XXXX from the capital one representative that my account/. Walmart MasterCard could not be reopened they could not give me a reason why. I was so upset I have had this account with synchrony bank for almost 6 years before it was transferred and sold to capital one. I am a new customer and do not appreciate the lies and unprofessional business that capital one has shown me on behalf of this unfortunate event. This is unfair. Now I dont have a Walmart MasterCard credit card and its closed when I had a {$3000.00} credit limit which hurt my credit because of this account being closed without my authorization. I will not do business with capital one anymore because of the excuses and lies that were stated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am currently enrolled in IBR and have been since XX/XX/XXXX. When I first entered my 12-month program, my 12 months ran from XX/XX/XXXX to XX/XX/XXXX. Last year, I was asked to submit my re-certification a little earlier than usual which I did. The next thing I knew, I received an increased payment that was starting a few weeks later in XX/XX/XXXX. I called Navient because I knew that I should have started my new cycle in XX/XX/XXXX ( really was XX/XX/XXXX). As I went back through my records, I realized that Navient had ended my 12-month IBR cycle a month early in XX/XX/XXXX and XX/XX/XXXX. Therefore, I ended up paying more money earlier than scheduled and Navient did not honor the 12-month IBR program. 

Upon contacting Navient on XX/XX/XXXX, I was basically told that because I filled my forms out early that they were starting from that point. I explained that I filled it out based on the deadline Navient gave me to complete it. Therefore, their explanation did not make sense and why wouldnt that have affected me in previous years. I walked them through the documents I had with my payment cycle and how it was only implemented for 11 months, 2 years in a row, even though IBR is a 12-month program. I tried to speak with a manager and then I asked to be transferred to speak with a customer representative in the United States. That person acknowledged what I was saying and stated that an investigation needed to happen. She also stated that I would need to pay the new payment starting XX/XX/XXXX even though my 12 months were not up to avoid a late payment. So, once again I started paying an increased amount earlier than anticipated. For the record, I never heard from Navient regarding my complaint to reimburse the difference I paid due to my IBR ending earlier than the mandated 12-month period and to acknowledge their error in general. More importantly, I wanted to know why my 12 month cycle went from a XX/XX/XXXX start to an XX/XX/XXXXstart. 

Fast forward to XX/XX/XXXX. Navient just sent me an email stating that it was time for me to renew and in XX/XX/XXXX because they clearly still have me on a whole new payment cycle. I would like some clear explanations. This all feels like fraudulent behavior to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day, a couple of times a day since the date listed on the notification letter, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have had my American Express platinum credit card for seven years since XX/XX/2013 and I have not had a credit limit increase also this card is a charge card and I feel like that I was not giving any ample opportunity to have a raise and credit increase this account like I said is a charge card and there is not supposed to be a credit limit on this card I use this card for all of my purchases for everything that I buy for myself or anything in life and I feel like that I am not getting treated as well as other patrons that are out there that have this card also with the American Express platinum card I pay an annual fee of {$550.00} which uses up most of my credit limit the credit limit that is On my account is a {$900.00} credit limit I think and feel that it is so unfair to have this type of credit limit and I feel that I am miss treated as a American Express member

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I have had this collection on my account for 3+ months which has nothing to do with me. Someone stole my identity or committed fraud because I never had XXXX XXXX XXXX. Please remove this collection ASAP that I have no knowledge of. Before this random collection I had a 700+ credit score. I have also a 100 % payment history with an annual income of 100,000+ a year, I am not struggling and this collection is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
HR and our Operations Manager received a call from Credit Corp Solutions concerning myself. It looks poor on my company performance when they call Managers at the top level of our site and leave messages for myself. I thought collection agencies were not supposed to call others at your work ( especially not those 2 or more levels above me ). I do not have any loan with Credit Corp Solutions. As I do not have credit cards or loans ( except one just opened to refinance my car loan with my bank ), I can only assume that they may be calling about Medical bills. We are paying on our medical bills, but not at the amount the hospital wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder XXXX XXXX. After calling XXXX they said I never made my XX/XX/XXXX payment. I make my payments every month thru XXXX app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to XXXX they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XX/XX/XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks XXXX for the classy treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
companies obtained my credit report without my authorization

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 2020-01-31 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: MI

Complaint narrative:
Equifax is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but Equifax refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XX/XX/XXXX showing XX/XX/XXXX being paid on time. XXXX has not issued my statement showing XX/XX/XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I paid off my credit card with Bank of American in the amount of {$19000.00}. On XX/XX/2020 I noticed that they had taken the payment out of my bank account twice. I immediately called them. I was told that it would take 2 - 5 days to get the funds returned to my account. I waited until yesterday XX/XX/2020 to call them back to find out why the funds haven't been returned to my bank account. The woman I spoke to said that it would be back in my account yesterday or today. The money hasn't been returned as of today XX/XX/2020. I called again today and now they are telling me it will be XX/XX/2020 when I will get my funds back. This is wrong! They literally stole {$19000.00} from me and won't give it back. I would like them to pay me back the interest they would have charged me had I owed them that money.

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 2020-01-31 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the accounts below : XXXX XXXX - This is paid on time, XXXX and XXXX  reports all OK with not a single late remark. Please update this to current with no late remarks. 

SANTANDER - The status is incorrect. This should be current since there is no late remarks. Please update to Current or delete this. 

XXXX XXXX - This is paid on time, XXXX and XXXX reports all OK with not a single late remark. Please update this to current with no late remarks. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Good Evening, i had an account with HSN, their accounts were handled by XXXX XXXX and there was some type of merger with Synchrony Bank. 
I called XXXX XXXX  to get the remaining balance on the account was told the account was now with Synchrony Bank and that XXXX  no longer had any records and all records of the account are now with Synchrony Bank. 
Synchrony is telling me that they only have what is owed, no records of past payments or starting balance, etc. My issue is not that I owe money but the amount owed.I have talked to a number of representatives and I am getting nowhere! I even followed the steps stated on your website about my consumer rights as well as stating their obligations to me as a customer. 
Please help, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Upon reviewing my credit report, I noticed an outstanding balance of {$170.00} from a Brooks Brothers store charge card issued by Citibank NA and closed on XX/XX/2015. I contacted Citibank in an attempt to resolve the matter. I asked to see my final statement in order to review the balance, but Citibank refused to provide it. I was told that the account is a " dead file '' and no further information could be provided. Nonetheless, I offered to make a payment in full as long as I would receive a prompt acknowledgement. However, the associate told me that a payment could only be accepted by mail and it could take up to 90 days to process, which I found unacceptable. Clearing up the derogatory information on my credit report is an urgent matter for me.

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 2020-01-31 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )

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