vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
By XX/XX/2018 - I paid Bank of America VISA card approximately {$25000.00} to bring the balance to a negative - {$210.00}. 

I not only paid the card off in full, I overpaid by over {$200.00}, and they owed me money! 

My limit on the card was approximately {$39000.00} - and I held the card for almost 20 year, with consistent payments. 

The same week I paid several other credit cards down by approximately {$20000.00}. These payments caused my credit score to go up. 

On XX/XX/2018 - AFTER this BOA card was paid down to - {$210.00}, I phoned to ask about balance transfers. I told the agent, XXXX, I did not want to formally apply for a transfer, I was just getting information to make a decision the future. He said I could call back when I decided. 

Yet, on XX/XX/XXXX BOA closed my Visa card, stating balance was " too high. '' It was not " too high, '' it was negative - {$210.00}. 

In addition, I had another recent problem with BOA. An agent on the phone had set my Autopay up several months ago. But, the auto pay was set incorrectly, so one month it was {$14.00} short. I did not know it was {$14.00} short, so then that little {$14.00} short, became 30 days late. 

I called BOA on XX/XX/18 and the rep XXXX was rescinded the 30 day late notice to credit bureaus and credited the late fee. Her BOA submission number XXXX and was approved on XX/XX/18. But, I had to wait 2 billing cycles for this BOA error of autopay to clear off of my credit score, and therefore suffered, due to BOA 's error. 

In addition, since I am publishing this to other readers, when my purse was stolen, BOA was the only credit card customer service I could not get on phone to report the theft. They did not care, and every time I called, the wait was almost an hour, just to report a stolen card. 

In summary - the action I demand - is that BOA reopen my account, so my credit score is not impacted negatively. I do not want my credit report to state that BOA  closed my account for a " too high '' balance. I can prove the account was XXXX on the day they closed it. I want to close this account " at customer 's request, '' and have all BOA 's false and negative reporting about my " too high '' balance scrubbed from my credit report. 

they also have not sent my credit balance of - {$210.00} back to me, and I have called several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2018 I had a ending balance of XXXX. On XX/XX/2018 US Bank charged me 4 fees of {$36.00}. I contacted them and advised them per there policy if my account is under {$5.00} overdrawn no fees should be charged. They then told me they charge for every transaction leading up to the overdraft. The funds were there so how are you charging me for funds that were in the account. All except the last transaction which overdrew the account for XXXX. This is a incorrect business practice I also bank with XXXX who would never do anything remotely like this. They refused to assist remove the fees or anything and I have the call recorded just stating that I could refuse overdraft coverage. It was XXXX ... .so how are ya 'll charging me 4 times for XXXX negative. The fees should be removed.

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 2018-10-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase card services pulled my XXXX  credit file without my explicit consent on XX/XX/2018. I did not apply, or consent to this credit inquiry. It is causing detriment to my credit file. I am actually in the process of another loan, and this unauthorized inquiry may cost me an approval. Again, they have no business pulling my credit file, I did not consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: NC

Complaint narrative:
XXXX XXXX closed my complaint thinking it was a duplicate. It's not a duplicate and this new issue just happened. Maybe I wrote to much in my previous complaint and it was over looked. But the new issue is still with the card, but in fact that the amount they REMOVED which was XXXX and credited my account was added back increasing my balancing once again. 
Now, I am seeing a balance transfer in the amount of {$320.00}. Increasing an already high balance. I am not understanding what was the need of this transfer if it was credited, if I suggested to close the account, and XXXX some how forgot. Now this new balance increase, has affected my credit score which doesn't look good when I have been doing what I said I would do, which would be pay the balance. Later in the letter, it states that " The only balance you are responsible for is on account ending XXXX. Which at the time was not {$2300.00}. This is beyond ridiculous. This in fact is not a duplicate. Nothing was resolved, with them adding money back into my account. The information I have attached shows proof of what I am speaking of.

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 2018-10-26 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: CA

Complaint narrative:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, EQUIFAX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
To CFO : NAVIENT Student Loan has fraudulently used my Social Security MORTMAIN VESSLE account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and NAVIENT SOFTED pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and NAVIENT still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to XXXX for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I opened an account and secured a {$500.00} loan with MoneyLion Inc. in XX/XX/XXXX. I called MoneyLion Inc. on XXXX advising due to a family emergency, fraudulent activity causing XXXX XXXX to close my checking account ending in : ( XXXX ) which created a personal hardship, I could not continue to make the monthly payments coming from the now closed XXXX account. I was advised : " No problem, we will deactivate your account until your financial situation has improved and you can resume payments to MoneyLion. In mid XX/XX/XXXX I logged into my MoneyLion mobile account, finding a message that a payment was scheduled to be withdrawn on XX/XX/XXXX XXXX from the closed chase account. I filed complaint number : ( XXXX ) on XX/XX/XXXX with CFPD, received an email on XX/XX/XXXX stating CFPB did not have jurisdiction over local, state or federal government agencies. MoneyLion Inc. does not fit any of these. MoneyLion Inc. is a private, independent company founded in XXXX by XXXX XXXX of NY, NY, who remains CEO. MoneyLion Inc. offers diversified financial services. The mailing address for MoneyLion Inc. is : ( XXXX. XXXX XXXX, XXXX, Utah XXXX. The customer service phone numbers are : ( XXXX or XXXX ). The email address : XXXX ). I have contacted MoneyLion Inc. multiple times to resolve this matter to " NO '' avail. Moneylion did  attempt to withdraw funds from the closed XXXX checking account, now charging me {$23.00} for NSF fees after being advise the XXXX account was closed. MoneyLion Inc. has reported late payments of more than 30 days to the three major credit bureaus. I would like this account with MoneyLion Inc. closed and finalized.  Respectfully Submitted ...

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 2018-10-26 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: MD

Complaint narrative:
On XX/XX/2018, I received an alert that a collection from XXXX XXXX XXXX placed a collection on my account. I was not given the right to dispute alleged debt and was not properly notified of any debt before it was placed on my credit report. this appears to be a medical debt and is a violation of my HIPPA right because I did not give XXXX XXXX systems access to my medical accounts. 

This account needs to be taken off my credit report immediately and XXXX needs to give me validation that this debt is mine meaning a signed contract I have with XXXX stating I utilized their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: WV

Complaint narrative:
For over two years, Equifax has continued to report a one time past due mortgage payment in the amount of {$600.00} from XX/XX/2016. Im not sure if the other two credit bureaus have reported the same. I cant get that information in time. I have repeatedly let Equifax know through their online dispute process that this payment was not late. I spoke with the bank two days  ago and confirmed that fact. During the process for my FHA loan, this erroneous information has caused a significant problem. This erroneous information has also significantly impacted my credit score costing me both loan opportunities and higher interest rates. It must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2018-10-26 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2018-10-26 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: TX

Complaint narrative:
To CFO : XXXX XXXX XXXX has fraudulently used my Social Security XXXX XXXX  account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and XXXX XXXX pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and XXXX still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to Experian for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXXXXXX

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 2018-10-26 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: HW Holding, Inc
State: OH

Complaint narrative:
HUNTER WARFIELD INC has placed an account on my credit report that belongs to someone else and is included in a bankruptcy. The petition will be attached showing this account belonging to someone else

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/18 for {$2500.00}. I tried to cancel the purchase On multiple occasions, because it was not anything as they described it to be. They refused to cancel. I disputed the charges on XX/XX/18 with my Capital OneCredit Card. I sent all the information they asked for other than a second opinion on letter head. In which I tried to get but everywhere I went they were afraid they would be pulled in to court and were not willing to help other than to advise me to call the SEC & Finra. At this point Im not even sure if what XXXX XXXX XXXX is doing is leagal, as crypto is not regulated yet. ( How are you supposed to get a second opinion if they are the only ones offering this service? ) To make a long story short I finally received a letter from them stating that I would receive a refund of my {$2500.00} on XX/XX/18. I have called and faxed Capital One this information, all I have received is a run around. They stated that it could take up to 3 weeks to post to my account. Well, here I am 10 weeks later with NO REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26 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: CA

Complaint narrative:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being TRANSUNION, XXXX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!

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 2018-10-26 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: CA

Complaint narrative:
I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, XXXX AND EXPERIAN ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!

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