vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Complaint ID number : XXXX I have a Bank of America cash rewards credit card and my BoFA bank branch is in Pacific Time zone. The credit card statement, bank website and mobile app advertises the due date as XXXX every month. I always make my payment online before the due date Pacific Time assuming that due date advertised is as per the time zone of my bank branch. However, I was still charged late fees. This happened for following months : 1. XX/XX/XXXX - Late Fee {$25.00} + Interest {$11.00} 2. XX/XX/XXXX - Late Fee {$25.00} + Interest {$25.00} 3. XX/XX/XXXX - Late Fee {$39.00} + Interest {$3.00} 4. XX/XX/XXXX - Late Fee {$39.00} + Interest {$10.00} 5. XXXX XXXX - Late Fee {$39.00} + Interest {$11.00} Issue Timeline : 1. XXXX XX/XX/XXXX : I noticed this issue and filed a complaint with bank. I was, however, informed that the payments are expected to be received by XXXX Eastern Time. The agent reverted late fee forXX/XX/XXXXas courtesy. However, she expressed inability to revert late fee charges for preceding months. The on call agent promised to escalate the issue and promised a call back in 24 hrs. 

2. XXXX XX/XX/XXXX : I received a call back from the bank. However, the agent was unable to help me and promised to further escalate the issue. She also promised a call back in 48 hrs. I never received this call. 

3. XXXX XX/XX/XXXX : After receiving no call back, I called the bank to followup on the complaint state. On call agent expressed inability to help with the issue and advised to wait more time for review process to complete and receive a call back. He also recorded my complaint about no call back received. 

4. XXXX XX/XX/XXXX : Having still not received any call back from the bank, I again called the bank to followup on the issue. The agent informed that bank is not able to refund the late fee charged since the XXXX XXXX XXXX document specifies the due date as XXXX of every month Eastern Time. 

I have had this credit card for over 3 years now and I have always made my payments on time without issues. The credit card statement, bank website and mobile app fail to specify time zone for payment due date which led me to believe that the due date is with respect to location of my branch. I feel that the bank is providing incomplete/incorrect information causing confusion about the actual payment due date and time leading to late fee payment fines. In addition, it is impractical to expect a consumer to read XXXX XXXX XXXX document for payment due date every month before making payment especially when the due date information is advertised on credit card statement and bank website. 

A screen shot of the credit card statement and bank website with payment details has been attached.

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 2020-10-09 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: Medical Data Systems, Inc.
State: UT

Complaint narrative:
Medical Data Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells fargo and XXXX XXXX both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america.  someone took advantage of me and my family. 

wellsfargo rep said we cant understand your language go to school then call us. 

XXXX rep only said we cant help you you must pay or your credit will be ruined and its on you if you get 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 2020-10-09 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: CA

Complaint narrative:
Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called this XXXX XXXX to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CA

Complaint narrative:
Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX XXXX Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from FCO removing me from debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, 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 2020-10-09 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 am currently disputing a negative mark with Equifax for a closed XXXX credit card. the original dispute was over a missed payment in XXXX of 2020. During the investigation process, Equifax corrected the mistake on the payment history but left the comment that first 30 day delinquency was XX/XX/2020. In addition, they then marked my account as having a missed payment in XX/XX/2020! This account was closed in XX/XX/2020. How can I possibly have a missed payment 5 months after an account is closed? .. How can you mark me as having a 30 day late payment on a closed account???!! and it clearly show in the payment history calendar there was no missed payment in XXXX yet the date of first delinquency is still listed as XXXX? do they even inspect what they are putting on someone credit for accuracy?? Stop marking payments as missed for the month an investigation is being conducted. every time i dispute a mistake, it is made worse by the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Pursuant to complaint Number XXXX filed with the CFPB to which Wells Fargo responded that they need more time to provide a more thorough response ... I am attaching this complaint and response as well as a letter received by myself from Wells Fargo Bank dated XX/XX/2020 stating the same that Wells Fargo Bank needs more time which is reasonable ... I ask Wells Fargo to look into ways their policies and practices can be deceptive to bank account holders as well as serious mistakes made as evidenced by my own awful experiences with Wells Fargo Bank ...

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the Hilton Honors Amex card in XXXX of this year XXXX. First time I've owned the product and it had a welcome bonus of XXXX Hilton points after a minimum spend of {$1000.00} in the first 3 months. I hit the spending bonus on XX/XX/XXXX XXXX statement closing date XX/XX/XXXX ), so less than a month after applying for the card and well within the bonus requirements. Till this date XX/XX/XXXX I have not received my bonus points. They state can take 8-12 weeks to receive, but it's been 17 weeks and I haven't received anything. I've called multiple times with no success or resolution. The last time I called was around the end of XX/XX/XXXX, and they said basically, I'll get the points when I'll get the points. That there is nothing they can do to get the points to me manually or expedite them ( it isn't expediting if it's been 17 weeks ). I feel like this is a bait and switch. I will say I've had an awesome experience with their other Amex cards however.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
XXXX XXXX and covert outsorcing both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america. someone took advantage of me and my family. 

XXXX  rep said we cant understand your language go to school then call us. 

outsourcing rep only said we cant help you you must pay or your credit will be ruined and its on you if you get deported.

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 2020-10-09 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: OH

Complaint narrative:
I asked them to remove a XXXX account in XXXX of 2020 because the account had been closed upon an agreed payment between me and XXXX for {$200.00} for a XXXX dollar debit, and in XXXX of 2020 it became 7years old and I asked for it to be removed, they said it could stay longer then the 7 years and it would be on record until XXXX and now its XXXX and they havent removed 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 explanation
Consumer complaint received 2020-10-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a Chase Mastercard account reporting on XXXX and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact Chase and they were unable to locate this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I found out via an email from XXXX XXXX that a student loan had hit me account. I logged in to see it and it was taken out at XXXX XXXX  in XXXX, GA. I called XXXX at XXXX XXXX  on XX/XX/XXXX to say that someone opened up a fraudulent loan in my name. She told me to contact the Department of Education and would send me a packet to fill out and return. I talked to XXXX at the Dept of Education on XX/XX/XXXX. She said the loan was taken out on XX/XX/XXXX. She opened up a case. I called the XXXX Police Department in XXXX, MO on XX/XX/XXXX and spoke with XXXX XXXX. He opened up a case for it. I was sent a packet by Great Lakes to fill out and to send them a copy of my driver 's license, SS card, police report and other information. I did all that they asked of me to prove that it was not my loan. They denied me. I appealed it and they denied me again. They said, " Your Federal Direct Master Promissory Note ( Direct MPN ) was electronically signed on XX/XX/XXXX. Funds were used to pay for your attendance at XXXX XXXX  XXXX  XXXX XXXX. '' I don't even understand that. The loan was taken out in XXXX at XXXX XXXX. They then go on to say in the letter, " Your Direct MPN, dated XX/XX/XXXX, contains several items of information that assist in confirming your identity and by extension your relationship to the loan to include ( but not limited to ) your name, social securtiy number, date of birth and address. '' Anyone could steal that information! It happens every day. They denied my appeal. I don't know what else to do. This loan is not mine. I'm worried about it destroying my credit. I need to find out what else I can do to prove I never enrolled in this college or took out this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I received a notification that I had a collection on my account. I view the notification to find out that a company had claimed that I owed the outstanding balance of {$59.00}. I called and was told that they had sent collection paperwork to my address. That address was an address I had four years ago. I am an XXXX XXXX XXXX XXXX who XXXX in 2016 when I had the company XXXX. Before deploying I returned all of the necessary equipment. I called the company and asked about the charge and the company could not find an account that I owed 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
In late XXXX I applied for a checking account with XXXX XXXX. They denied the opening of a new account based on a report provided by Early Warning Services and  directed me to the company website ( e.g. earlywarning.com ). 

The company HAS NO METHOD OF ACCESSING A CONSUMER REPORT ONLINE. They require a mailed letter XXXX it's XXXX-come on people ) with which I printed, filled out, and mailed in. I received notification that they were missing a form of identification which I promptly submitted via their web form ( with the original application id entered into the submission form ). 

I received an automated response that I must submit a form to receive my credit report -- what the XXXX I already did this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help

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 2020-10-09 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: NJ

Complaint narrative:
during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: NJ

Complaint narrative:
during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help

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