vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 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: FL

Complaint narrative:
FROM : XXXX XXXX XXXX CASE BANK OF AMERICA! # XXXX ASUNTO : PURCHASE TRAVEL TICKET AT AMERICA AIRLINE!
My credit line with bank of america is of {$300.00} Since XX/XX/XXXX to present XX/XX/XXXXObviously to buy a ticket I have the necessity to Increase by myself The other amount to pay the ticket I. Had {$300.00} and make a deposit of {$80.00} to pay the ticket. Bank of america say Not, you will deposit extra money in you credit card but I solely see the {$300.00} ( LIMIT ) ... I TRY AGAIN AND DEPOSIT {$70.00} The bank solely see the credit limit. ( {$300.00} ) and not the extra deposit, because the ticket my option to buy the ticket was with a credit card and not check account.
The bank in some paragraf say that they can give extra money in emergency or other country road, etc. I think so- that I see it.
This impasse affected my health, I was worried, because I had enough money to pay my ticket, on the other hand my credit is acceptable - but they do not increase me maybe, by revenge, or retaliation for checking account in the pass. I recently went to pay {$860.00} the agent of employee of bank of america told me you do not have open checking account because you are punished for 7 years. They did not want to accept the payment, and I returned it to my house.

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 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

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 2017-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against 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 2017-08-08 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: CO

Complaint narrative:
I have fat along with naviant at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against 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 2017-08-08 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: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: CO

Complaint narrative:
I have fat along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
I pulled my credit report while saving to buy a home and found 2 items in collections. Both items in collections were from Debt Recovery Solutions for debts that occurred in XX/XX/XXXX. The amounts were for {$740.00} and another for {$59.00}. I called the debt collector and came to an agreement to settle the debts for {$290.00} and {$44.00} respectively. I paid them immediately over the phone and received receipts via email. Within a week the original debt for {$740.00} was cleared off my credit report. A week later I received a letter from Debt Recovery Solutions saying I never paid the {$44.00} for the {$59.00} debt. I called the agency and provided them with my confirmation number from the payment that I had already made, at this time they brought up another debt from XX/XX/XXXX that I was not aware of, I told them that I could not make payment on that debt at this time. Two weeks later my credit report was updated, the original debt for the balance of {$59.00} was cleared off and a new debt for {$440.00} was added which is the remaining balance of the debt that we had agreed to settle on for {$290.00} which I paid in full on XX/XX/XXXX. Im sure they will say this was another mistake, but these mistakes take weeks to fix, and there doing this so they can ask me about an unrelated debt that is almost 10 years old, which I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
My original student loans were through Nevient and since I am XXXX and on XXXX I am unable to work, therefore pay back what I owe. In 2016 i was called by XXXX XXXX XXXX XXXX as a loan forgiveness program. Since i am XXXX and receiving no help thru my loan company I signed on to this program. Since signing on I am charged {$19.00} a month and my loan balance keeps increasing every month on my credit score. I have tried calling with no success of getting a hold of anyone from the original loan program to the student relief program. I feel like I have been scamed all around ... and just need this nightmare to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

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 2017-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

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 2017-08-08 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: MD

Complaint narrative:
I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted All XXXX credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

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 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.

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 2017-08-08 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
Ive reached out to this company National Credit Systems about this matter mid XXXX 2017. The amount shown is {$1800.00} and {$500.00} totaling {$2300.00}. Under the new law effective XXXX XXXX, 2017, any public record data must include name and addresses as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law, National Credit Systems listed does not include this information and should be deleted from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX.
Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2017-08-08 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: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation