vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX  XXXX  ), XXXX Acct XXXX ( Experian, XXXX  XXXX  ), XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( experian ).

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 2018-08-10 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX Transunon ), XXXX Acct XXXX ( XXXX, XXXX Transunion ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX  transunion ), XXXX XXXX XXXX XXXX Acct 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 2018-08-10 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX  ), XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management
State: FL

Complaint narrative:
Was contacted by XXXX, a representative of Pendleton Capital Management ( also doing business as XXXX XXXX XXXX ). XXXX stated that there was a bill that was past due, and I asked him to explain what it was for. 

XXXX stated that it did not matter and that if I did not pay him by XXXX XXXX  that he would contact the Florida State Attorneys Office and have criminal charges filed for prosecution. XXXX also stated that fines could be in upwards of {$3500.00}. 

I was very upset, and hesitantly I agreed to make the payment of {$160.00} to resolve the debt. I received 2 emails from their company. 

After the bill was paid there was an email sent stating the debt is satisfied and that I am to release XXXX XXXX XXXX of any liability. I do not agree with this statement. 

I feel this was handled completely unprofessionally and that atleast two debt collection practice laws had been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer for a credit card fro Citi in XX/XX/2018. They offered e a {$200.00} statement credit. I applied for and received the card. I used the card for the required purchases. I have contacted them 5 times and they can not tell me when they will issue the credit. They tell me to call one number after another. No one can help, either they have no idea, and tell me to call tomorrow, or their system just crashed and to call in 2 hours

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 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I purchased an XXXX XXXX XXXX XXXX XXXX for {$7000.00} with XXXX miles. On XX/XX/XXXX my wife noticed a power loss in the vehicles driving so she came home and then the vehicle was dead ... I then went online and checked for a XXXX for this vehicle and found that 30 Days before in XXXX of 2018 this vehicle was sold at Auction with XXXX miles. I called the Dealer and they acused me of Buyers Remorse and would not listen to my Complaint about the XXXX and the mileage. 
I Paid this purchase with my Debit Card from Bank of America. So I called the Number on the card, told them what happened and they recommended me to go to our local branch and submit the Buyers Order and XXXX to the Fraud Department via Fax from the bank. We did and that was on XX/XX/XXXX ... By XX/XX/XXXX the Bank did a temporary credit of {$7000.00} the Full Purchase Amount and we were told this would take about 60 days to finalize. As of XXXX The Credit was reversed and the wheels are turning to Award the Dealer with the Full Payment. Yesterday, XXXX XXXX I was on the phone with the Fraud Dept. AGAIN. Telling my story AGAIN and they said the case was being Escalated AGAIN but No one seems to be looking at my Paperwork which proves that I have been Defrauded of {$7000.00} ... The Bank Claims Publicly that they are on our side, Against Fraud, and will Stop at no means to bring the criminals to justice but they fail the look at my Paperwork ... ..WHY??? Bank of America Claim # 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 2018-08-10 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: NC

Complaint narrative:
Equifax has continually and consistently failed miserably at maintaining any sense of accuracy, correctness, or fairness with regard to maintaining my credit report. 

During the course of the calendar year XXXX and eight months into the calendar year XXXX, I have disputed the incorrect reporting of duplicate accounts from XXXX XXXX directly with Equifax via mail, certified mail, and online via their customer portal. All attempts have failed, without any reasonable research, effort or response beyond the standard automated response from Equifax. 

The amounts being reported incorrectly are {$3000.00} on one entry and {$0.00} on a second. Both contain multiple inaccuracies, along with information that is simply wrong! These entries and inaccuracies are causing me many issues when trying to gain new credit or extend existing terms. This is not only wrong but illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I submitted a dispute letter to all 3 Credit Bureaus in desired request to remove a Bankruptcy ( Public Record ) listed on my credit reports. In the letter document, I thoroughly described the issues, point of emphasis & reasons per the laws of the Fair Credit Reporting Act 623 ( a ) ( 5 ) : as to why I have requested prompt removal of the Bankruptcy. Reasons being that Bankruptcy Courts do not validate or verify Public Record entries onto my Credit Reports. Considering a violation of the FCRA & the fact that it has caused major hardship on my family by derailing my ability to be able to apply or acquire credit along to possibly purchase a home for my family it needs to be deleted off my report. XXXX  has removed the Public Record off my report. XXXX is currently pending. However Experian has taken every dispute I have submitted & just ignored my request by jist constantly updating my Credit Report with a " Verified '' status. I feel they have not taken any consideration to consider the reason for my dispute in the document that I submitted to them.

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 2018-08-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX  twice on this XX/XX/2018 and they say they have received no information from Nelnet on my  student loan payment. I called XXXX  but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's  choices, call XXXX  and XXXX  to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
During the month of XXXX, I made a promotional purchase ( no interest if paid in 12 months, requiring minimum monthly payments ) in the amount of {$1300.00} ( split into 4 parts, XXXX, XXXX, XXXX, XXXX ) and a non-promotional purchase of {$230.00}, totaling XXXX. On XX/XX/2018 the statement from XXXX Synchrony Credit account indicated I had a previous balance of XXXX, and that I made a payment of XXXX effectively bringing that balance to {$0.00}. The statement reflected the new balance of XXXX. On my due date of XX/XX/XXXX, I made a payment of XXXX. Per the payment allocation option that I opted in to, it should have been applied to my non-promotional balance first. On the XX/XX/XXXX statement, it reflected my payment of {$230.00} and an additional credit of {$11.00} that I applied from my rewards point bank. On that statement I was charged a {$1.00} minimum interest fee ( an agent mentioned it was {$0.00} in actuality ). Additionally, I made a purchase of {$53.00}. On my due date, I paid the difference between my non-promotional balance and my statement balance of {$43.00}, including the {$1.00} interest charge. On my XX/XX/XXXX statement, it reflected yet another interest payment in addition to my new charges. When I called to investigate why I was being charged interest, despite that I was in fact paying my entire non-promotional balance every statement and I had opted for it to be applied as such, I was informed that they don't actually allocate the entire payment, citing that federal regulation z makes very specific rules on how the payment must be applied. However, the account manager ( XXXX, I believe ) said that, " The only way that I have ever seen it successfully done, is if you call us on the same day and ask for a 'same day allocation. ' '' It sounds extremely strange to me that they can't honor their automatic payment allocation options because the federal prohibits them from doing so, unless you ask, then they are happy to break the law for 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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. 
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX of 2018 I received a text message alerting me that 2 fraudulent charges were charged to my account. Both of these charges were from a merchandise store at sea world. These charges were almost close to 800 dollars all together. I immediately called my bank to report this issue. A couple days later they refunded me the money. Fast forward to almost 3 months later my account is negative ( over 700 dollars ) I called my bank and they told me my claim was denied after investigation. They told me my card was at my possession and only I knew the pin. Therefore theres no wAy that those charges could have been done by someone else. If they look closely to statement I have never spendt so much money especially at some random merchandise store a sea world. If my bank is claiming that I made a false accusation stating that money was taken without my account why wont they report it to authorities? Those charges were not made by me. Im negative XXXX dollars. I know its not much for some but for me it is. I depend on a month to month check. I feel that they did not do a throrough investigation.

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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently applied for a Total Rewards Visa credit account through XXXX XXXX. I have a credit score of XXXX as was stated in my denial letter dated XX/XX/2018. I believe the decision to denial my application is discriminatory in nature. Application number : XXXX. Total Rewards # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Compass Bank inquiry from XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I contacted the company on many attempts for payment and were denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
So my wife and I are in a tough spot. On XX/XX/16 last month my wife accidentally paid her {$310.00} car payment early. She made two payments at the same time. This created a snow ball effect the rest of the month that amounts to nearly {$300.00} in overdraft fees. 
On Friday XXXX my wife called Bank of America to explain what happened and that we really needed that money so this doesnt just keep spiraling month after month. They told her no. Stating the reason that they are authorized charges.

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 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.

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