vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
I have had a bad experience with Bank of America. I have banked with them since high school. From my previous experiences over the phone have not been customer focused! I understand that the reps are just following their procedures but Bank of America does not think about the customers first! Since opening my account over 10 plus years ago, its rare for me to ever call customer service. But the bad thing about that is that the only times I remember when Ive called is the bad experiences that I have had! All because they cant refund a XXXX $ fee in which its rare for that to happen to me. I remember calling about 4-5 years ago due to a returned deposit, I got transferred to a manager, he put me on hold for over 20 minutes after being on the phone for over 45 min and he hung up on me while I only spoke to him for over 30 seconds and didnt get a call back, then I had to call back and the rep actually helped me and resolved my issue in 5 minutes! This time I cant even just get a XXXX $ fee refund in which I was already in the transition of having all my bills and direct deposit switched to my other bank because of the bad experiences Ive had with Bank of America. The reason of the fee is because the bill didnt transfer over to my new bank yet! I have no problem in making the deposit. But as my bank for so many years is willing to lose a great customer who never complains, and funny thing in the past Ive sent great feedback regarding their online access to them, who is only requesting a XXXX $ fee refund so I can finally leave this 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 2019-04-25 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: NE

Complaint narrative:
Equifax has mixed my brother 's credit report with mine. 

We have similar first names and our SSN 's were issued on the same day and are 1 digit apart. 
Equifax will not fix this problem despite sending them a detailed letter with documentation they requested in XX/XX/2016. 

I am once again fighting with them to get my brother 's credit information off my file. 

they are giving me the run around and I can not get even a small loan due to this error on their part. 

I have checked my credit report with other agencies and the do not have my brother 's data mixed in with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Several things. I filed a chapter XXXX on XX/XX/XXXX. According to rule 3002.1 XXXX : XXXX, the bank must send notice to my attorney and me when interest rates change. I have made 5 payments since XX/XX/XXXX, and my attorney and I have only received one letter advising us of a rate change and the amount due, and that was in XXXX for the XXXX payment. this month, I owe {$700.00}, my rate has gone from 6.49 % in XXXX to 6.75 % today, my payment has gone up {$40.00}. The fed has not raised rates in that time. Can the bank just raise my rate indiscriminately at their whim? I was told on Tues. that my annual rate is 22 %? It's very important to me to keep my home and make payments on the heloc, they are making this impossible. 

In trying to reconcile this with Suntrust, many questionable things happened. I was told to file the form for modification, which I did, many times. Earlier this year when I filed the last one and was rejected, I was told that suntrust Bank doesn't do modifications, they only do hardships. when I asked why I was told to keep submitting applications, he said we can't tell you not to. I've asked many questions, and can not get an honest answer from anyone. I'll attach more of what's happened in the past.

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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX  was reporting an open date of XX/XX/XXXX however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Had checking account number used to order checks on Suntrust account. Official Suntrust check company is authorized to send checks to any address without any attempt to verify change of address. Two checks cashed with fraudulent signatures at 2 different Suntrust branches on SatXX/XX/19. Fraud department notified within hours by phone. Went in person to branch and fraud was reported to fraud dept again by bank representative. Told to come back XX/XX/19 because payments were still pending and they couldnt do anything even though bank representative was able to obtains photos of the fraudulent checks from the branches. On XX/XX/19 I returned to branch and official fraud case was finally opened. Told 15 calendar days to investigate. Have called several times to get updates, once told case was closed, then it was still open, then we needed to fill out affidavits 4 weeks after case supposedly being investigated ( they were specifically asked if we needed to do that on day one and they said no ). We have filed a police report, filled out affidavits and can get no information on status of case. Bank representative is trying hard to get info but is no more successful than us. This is a substantial amount of money we have been without for almost 6 weeks.

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 2019-04-25 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: TN

Complaint narrative:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax is not removing this negative item and it is harming my credit score. Therefore, I am filing a new complaint against Equifax because I have tried to fix this issue with them and they are still reporting this. I have attached an audio file from the bank to support the removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FL

Complaint narrative:
My business XXXX credit card was recently closed by the bank as well as my employee cards right after I paid multiple annual fees on the employee cards. This is such a switch and bait strategy as the closure happened within days.

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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management is a scam company that tries to collect debt that is way past the statute of limitations. I owe them nothing, I owe the company they bought the debt from nothing, and they state as much in their postal correspondence to me. They actually write on there " This debt is past the statute, we will not sue you, paying this debt won't go on your credit report '' NONE of this is on my credit report anyway, but even if it were, I'm not paying these guys on a ten year old debt. 

They somehow got my phone number, I'd really like to know how, and call me every morning. I answer and they hang up. If I don't answer they don't leave a message. I called them back on a different number and told them not to call me number. They agreed, on XX/XX/XXXX that they would add my number to the " don't call '' list. Today, XX/XX/XXXX, they called again, and hung up when I answered. So I called them back and AGAIN told them not to call me. They wanted the last four of my social for " verification '' AFTER they already told me what my name was. I said " no, I'm not giving you anything, stop calling me, stop calling my number. '' These guys are criminals, they are everything that's wrong with collection practices, and this constitutes harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a Capital One credit card around XX/XX/2019 and a message popped up saying needed further reviewing. I did receive a email letting me know the process could take up to 7-10 business days. After waiting about a week, I called the number to check the status and the automated system told me that my application is still under review. After waiting 4-5 days, I still have not heard anything. After a week, I called back and the same recording that my application is still under review. I received an email letting me know that I needed to mail or fax over my ID and social security card in which I faxed over my Driver 's License, Social Security Card and a copy of my new lease agreement. After waiting another week, still no response back. I then received a a letter in the mail asking me to send in a copy of my ID and social security card. Again, I faxed over these documents with my lease agreement so they could have my current address. After a few more days, I kelp calling to check the status and the same results again. Today on XX/XX/2019 I called Capital One number at XXXX and spoke with a gentleman and explained to him my concerns. He asked me for personal questions and for my social security number, date of birth and my phone number. He stated to me that, he did see my application and he does have a copy of my driver 's license and social security card but never mention my lease I sent in. He said after reading the notes, that there was some information that didn't match and that I had to go back online to reapply. I asked him why if I'm going to be putting in the same information as the first time. He said, that's what the system is telling him. I asked what would be different and would it be another HARD INQUIRY and he said YES it will be. I was shocked of what he was saying to me. I never heard anything from them after 15 days and I had to call just for him to tell me that information. Why did I not get a letter are via email explaining that information to me? This is unfair action and I want something done about how I have been treated. I sent everything they asked for and more by sending in my new lease agreement and now they want me to REAPPLY adding a new Inquiry on my consumer credit file. That's not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ Data International charged me 700 % of what I actually owed my old apartment. In XX/XX/XXXX, my old apartment XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX sent us an eviction notice in retaliation to our complain about their city code violation where they simply painted over black moles after our apartment was flooded by upstairs ( as a result my entire family contracted bronchitis ). We moved out 2 weeks after the notice and we really owed them 2 weeks of rent which was approximately {$1000.00}. On top of not giving back us our deposit, the apartment sold the collection to IQ Data International and they demanded {$6000.00} until end of XXXX and after hearing that I would compliant to consumer bureau if they did not give me an itemized deduction of the {$6000.00} they wanted, they raised the collection to {$7000.00}. IQ Data International is a criminal organization engage in robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc.
State: AZ

Complaint narrative:
CBCS, a debt collection agency stated there is a balance of {$80.00} for XX/XX/18 which was paid. The creditor XXXX XXXX XXXX received {$80.00} for ER admission fee for 4 visits made XX/XX/2018 thru XXXX, 2018. Payments for the {$80.00} co-payments ER Admission fee payment was made {$40.00} on admission date and {$40.00} payment later with my debit card or check. XXXX XXXX XXXX Payment Summary for Account XXXX don't show any outstanding balance. A copy of XXXX XXXX XXXX Payment Summary was sent via fax to CBCS for their records, but CBCS insists there is a balance of {$80.00} which I don't agree is an outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Nissan Motor Acceptance Corporation / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XX/XX/2019. this issue was filed on the CFPB and the credit agencies last month and Nissan has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is XXXX calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If Nissan fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This account is for a vehicle that was repossessed by Wells Fargo Dealer Services in XX/XX/2016. I believe it should be included in the Wells Fargo settlement for improperly charged insurance and repossession. The information listed on all credit reports is incorrect and even after multiple disputes and requests for verification, the information remains on my report, causing financial damage. The payment history is incorrect, and the payment amount is not only incorrect ( I was overcharged ), but it should not be listed on this charged off account. This vehicle never should have been repossessed. I did not receive notice before or after the repossession. Proper steps were not taken. Wells Fargo is reporting inaccurate and inconsistent information to all three bureaus, yet it remains.

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 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
During my services in the XXXX my identity was compromised. I have worked hard to get this resolved. However, today I discovered that Experian has a Rental History department and it is negative reporting false accounts with XXXX and XXXX XXXX. I have never rented or done any buisness wit h either entities. I demand that this and all other negative items be removed from my Experian renal history department. When i contacted Experian 's rental history department they stated that it was separate from the credit department. I have emailed the FTC Affidavit to Experian ' rental history department. I was denied a rental property for this.

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
On XX/XX/2019 I called to inquire about services. The agent was pushy and tricky on the call. I was held up for approximately 30 minutes and needed to go. He was pressuring me to agree to documents I hadn't read. I wasn't in agreement, and won't and don't agree to that. I was also charged XXXX. Then today on XX/XX/2019 I received another forceful email pressuring me to agree online. I still don't. They keep telling me on the phone that I must consent to the agreement in writing before they can or will help me.

Company response to consumer: Closed with explanation