vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: AZ

Complaint narrative:
I use my debit card for everything so much so that I memorize the card number. as soon as I moved I changed my address on the Mobile App. I was having some problems with the chip on my card over XXXX prior to the printed expiration date on it. I called in to the fraud prevention team on XX/XX/2019 as my card was declined for potential fraud merely because the chip was no longer working while speaking to them I confirmed the change in address so that I knew they should have the correct address. once we cleared the " potential fraud '' they advised me I would need a new card. I explained I shouldn't have to pay for a new card if they are not making the cards durable enough to last as long as the expiration date on them. they stated I could report the card stolen and no fee would be charged, I declined as it is unfair to me to have to go in to all of my merchant accounts and change the card number, or perhaps forget or miss one and then be charged a return check fee by the merchant because the charge would not go through. they eventually agreed to send me a new card with the same number without a charge. weeks go by and I never received my card so I decided if they would not send me a new card then I will continue using my old card. on XX/XX/2019 I tried to make a purchase and it kept refusing to go through, but would put a pending " hold '' on my account so I couldn't complete my purchase but my funds were not made available to me for 24hrs either. after it failed a second time on XX/XX/2019 I decided to look on my Mobile App and see what was wrong with my card. it is there I found that they had in fact sent my card to the wrong address despite changing it on the app AND with a person over the phone. after the extensive conversation I had on the 1st call in XXXX, I feel that this was done on purpose to spite me for requiring my debit card to be durable and/or not be charged for a new one when it isn't. Bank of America then refused to compensate me for the time I would have to spend changing all my merchant accounts and having to be without access to my own money for up to 6 business days. when I asked to at least be updated when the internal complaint review was complete, they declined. insisting that the team that investigates complaints is not able to make outbound calls, nor received inbound calls when I asked to call them for an update. this leads me to believe that these complaints in fact go no where and there will be no repercussions for the " error '' that appears to be done on purpose in retaliation. 
I have been with Bank of America for 15 years and never has their customer service been so terrible as it has in the last 2.

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 2019-10-10 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX/XXXX.XXXX, XXXX ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX XXXX ( accnt # XXXX ), XXXX XXXX  XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX/XXXX   XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. Please help me.

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 2019-10-10 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX, XXXX  ( acnt # XXXX, ) XXXX  ( accnt : # XXXX ), XXXX XXXX  XXXX ( accnt #  XXXX ), XXXX XXXX XXXX ( accnt XXXX ), and these inquiries are not mine either XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX , XXXX XXXX. Please help me.

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 2019-10-10 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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX , XXXX XXXX. There are also some inquiries that are not mine. XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a security freeze on my account at Equifax. I had to lift it so that a bank could view some information. The online system did not work. I called XXXX and went through all of their security questions ( name, dob, address, ssn, and information about my credit file ) and added the freeze for a few days. The bank then advised me that they needed both my husband and I to come in while they checked the file. We can only do this on Saturday, so I tried to log into the Equifax system to extend the credit freeze. I kept getting directed to a " page not found '' error. 

I called Equifax XXXX XX/XX/10 and spoke with a representative who went through the same security questions again ( which require me opening several different systems to get the info they requested. ) They did not accept my correct answers and told me I needed to send in information in writing. I asked for a supervisor. The " supervisor '' told me that they could no longer see my credit file and that they would try to help me fix the online problem. They were unable to fix the problem. They then said they would " try '' to access my credit information again. Imagine that - they could! I gave them the same answers to the same questions and magically the answers were correct this time. They had no answer as to why the answers were not correct with the previous rep. I then asked them to help me fix the issue with the online access so that I could manage my credit freeze myself in the future. They told me the system must be having an update and to try again another time. What a waste of time and aggravation. 45 minutes of my life for this nonsense. These agencies have way too much power over people to provide poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: KS

Complaint narrative:
I just want to convey my displeasure with some things going on with my checking account at Commerce Bank. I deposited a check on XX/XX/19 for {$840.00} and had planned to pay some pretty urgent bills with it, only to get told after I deposited it that there was some kind of hold placed on my account that wouldnt allow me access to the funds for 7 business days, which actually would be roughly 2 weeks because of how the days fall on the calendar. I didnt understand that and was not aware of this banks policy on that kind of stuff, so the clerk that helped me said shed talk to her manager to see about getting that hold lifted. A few minutes later, she called and said that wasnt possible because Ive had too many overdrafts in the past. 

I totally understand if thats this banks policy, but I was not warned about this and I recently deposited a check the previous week and was not told about this. This makes it EXTREMELY tough for me to avoid future overdrafts because my funds are being kept from me to be able to pay some bills on time. I have to imagine SOMEONE there sees how counterproductive that is to customers, like me, who have had some financial struggles and are trying to make sure they dont happen again in the future. It is not fun to pay {$37.00} extra dollars in fees to overdraft and its only hurting me, so to not allow me to have access to money made out to me to keep overdrafts from happening makes absolutely no sense. Had I had some kind of warning about that in the past, I couldve tried my best to fix that issue, but today is the first of me hearing of that. 

I then called and spoke to an assistant branch manager, since the actual ones were too busy to deal with their customers urgent needs, and asked if I could have some kind of letter sent to me that explains these policies so I could better understand them and make sure they didnt happen in the future and she said no, that was not possible. The refusal to provide customers with important information that helps them stay financially responsible is just wrong and shows that the bank likely doesn't have an actual policy on placing holds on people 's accounts. They do so arbitrarily without taking the time to talk to customers and figure out the circumstances. 

Up until today, I had no problems with Commerce Bank and appreciated everything that had been done for me over the years. I have no idea how long Ive been an actual customer, but todays treatment definitely has me considering other banks. I dont ask for much, I dont ask for handouts, and I have never asked for special treatment, but I would think in these extenuating circumstances when Im trying to tidy up my financial issues so that I dont cost myself overdraft fees that someone at this bank would understand that, show some care, and help their customers. That was not the case today and its disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian credit report incorrectly lists an open auto loan with a balance from XXXX XXXX XXXX. I sent a dispute with Experian who contacted XXXX XXXX XXXX who informed them the information was correct and no changes were completed. I contacted XXXX XXXX and they told me that that account was closed with XXXX balance. I contacted Experian and they told me that XXXX XXXX reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.

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 2019-10-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX  XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2019-10-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
SPS Select Portfolio Servicing of XXXX XXXX XXXX, UT appears to be a debt collection agency, who started a systematic harassment by mail debt collection campaign against wife, XXXX XXXX. 

This harassment following a failed foreclosure attempt over the past 2 years ( XXXX-XXXX ) by XXXX XXXX XXXX and their attorneys ( XXXX ) over a 2nd Mortgage default loan by XXXX, approximately 10 Years ago. 

During XXXX-XXXX time period of XXXX/XXXX ( attempt to foreclose on our residence, XXXX XXXX XXXX, XXXX, VA XXXX, on legal advice & assistance of Mr. XXXX XXXX, Attorney, XXXX XXXX, VA, both myself, XXXX XXXX, and wife, XXXX, entered Chapter XXXX Trustee Protection, twice, that prevented the foreclosure attempt by XXXX/XXXX legal agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
A dispute was made to correct inaccurate reporting yet they added more inaccurate late payment information they refuse to report the date closed and the date sold which will removes the late payments after the closed date, On XX/XX/XXXX this account was closed it was then charged off on XX/XX/XXXX and sold on XXXX XXXX. you can not be late in payments after a account has been closed and charged off and sold. 

Explain to me how can I be late 120 days in XXXX, XXXX and XXXX and XXXX of XXXX when this account was closed on XX/XX/XXXX charged off and sold XX/XX/XXXX Explain tome how can I be late 59 days in XX/XX/XXXX in XX/XX/XXXX90 days in XX/XX/XXXX120 days late in may 150 days late in XX/XX/XXXX180 days late in XXXX of XXXX when this account was closed on XX/XX/XXXX charged off sold XX/XX/XXXX, XXXX they have no right to report late payments for the year XXXX if they sold this account on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX XXXX XXXX XXXX. There are also some inquiries that are not mine. XXXX  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 2019-10-10 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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX , XXXX  XXXX. There are also some inquiries that are not mine. XXXX  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 non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC

Complaint narrative:
I been in contact with this agency numerous times to submit documentation to enter there rehabilitation program. We Submitted documents in timely manner most day same day with the rep. Documents are not being submitted to admin team in timely manner. I call the agency numerous time and left messages and there have not getting back with me in timely manner. There are letting the documents expire to garnish my wages we have made the appropriate payment on our end and has been looking to enroll in program and there taking the funds and not honoring there end of the agreement to put this loan in good standing. This has been a struggle to get this company to follow there own policy and be ethical and the process. Also they like to keep changing the process of how they receive information because they do such a poor job of following up on there clients

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX/XXXX, XXXX XXXX, XXXX XXXX , UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief