vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Signed up for a business credit card. Nonetheless, the personal banker made someone who i wanted to hire as a manager as the primary in the account. I was never advised about how the credit card was set up. The primary is no longer associated to the business. I can't close the account, which is under my business, and the primary party keeps using the card. My company is liable for any purchases and I can't close the account or do anything. The bank refuses to answer questions about the CC.I have attached the article of incorporation showing that I'm the only person who own the company. 

I really believe that the personal banker was driven by his own greed to reach sales goals when he opened this CC. The personal banker didn't take the time to explain how he was setting up the account or anything else. 

I have been mistreated by Bank of America and no body can help me resolve this issue.

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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i see so many i can't described none of them because their not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: IL

Complaint narrative:
i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( XXXX XXXX XXXXXXXX XXXX ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- XXXX XXXX XXXX and spoke with a Mr. XXXX XXXX XXXX XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with Midland on behalf of XXXX XXXX. I never heard from MrXXXX XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the Midland/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
i have a complaint about syncb, they put 2 hard inquires on my XXXX  report that i did not authorize, they are exactly 1 year apart within a week, i called them 1 month ago and told them to remove and they said they couldnt and told me to call XXXX  to fix it and it happens all the time, so i called back 3 weeks ago and talk to a superviser, mind you on my credit report it says, syncb / national credit card / airlines. the supervisor said he couldnt d9 anything to remove it because they are not affiliated with a credit card ( airlines ) mind you they are the ones that furnished this info to tranunion so if they are not affiliated with an airline or whatever then they should send info to all credit reporting agencies and have it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Debt is being disputed since original creditor didn't comply to accept payment on my 12th payment week and pay ( cash price ) amount as requested that day and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12 to 13 payment as listed on attached agreement. 

Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. 

Attached letter to validate debt and removal if not response is receive by due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist. 
On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls. 
On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018. 
On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.

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 2018-08-08 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted Navient about this and they said that the account was being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding my Chase Slate card. I have had this card since XX/XX/XXXX. 

I charged a large amount soon after I got it, for Church donations. 

I made my minimum payments. 

If I missed one, it was never delinquent long and I have been a valuable customer. 

I paid OFF my entire card in XX/XX/XXXX - $ 26K plus, cash. I didn't however know there was still some interest to pay, and I found out shortly after I needed to pay + {$300.00}, which I then did. 

In XXXX I did a balance transfer. That is the first one I ever did. Very shortly after this, my account was closed. I was not notified of this, I tried to use it - it didn't run - so I called and found this out. 

I then called and was a bit shocked. I recently found out about the Executive Office and called then to voice how odd this was. They gave me a case # and said they'd look into it. Today I got a call back that the " resolution '' was that my card would remain closed due to " delinquencies '' and " revolving balances ''. 

The number I called was XXXX. The person who I was dealing with was nice, and I know this is not her fault. 

The delinquencies are minor, and I pay my bills and am an honest person. 

Again, I paid Chase XXXX and then a few months later they close my account. 

The thing that makes me more concerned is that this card has only been used to support my Church. So now I am thinking this has something to do with my religion.

The balance transfer that was done RIGHT before my card was closed, was to my Church.

I am going to continue to look into this until it makes sense. Any help you can provide would be appreciated. 
( I put Chase Slate MC as there was no option for VISA, mine is a VISA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: MA

Complaint narrative:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.

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 2018-08-08 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: MA

Complaint narrative:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: MA

Complaint narrative:
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.

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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I never opened this account. I don't know what it is. It appears to be a charge card. If it is it was opened fraudulently in my name. If they have my social security number I do not know how they got it. They are listed on my credit report in two different accounts with the same balance. It seems very odd. It says it is an online marketing company and that I owe {$710.00}. It says it was opened in XX/XX/2015. I've never purchased or received merchandise from this company. This must be a fraudulent account. I would like the company to either prove it was me that opened this charge account or please have it removed from my credit report. As it is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Cant access my equifax file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: IL

Complaint narrative:
Contacted XXXX on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

XXXX fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent Equifax a dispute requesting the same account validation stating that it was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My CFPB complaint ID ( XXXX ) status was closed today ( XX/XX/2018 ) and I received an email about that.

You guys said, " The status was marked as a duplicate complaint on XX/XX/2018. This complaint appears to be a duplicate ( Previous CFPB complaint ID # XXXX.to EQUIFAX ) of a complaint we've already received. We've included a reference to this complaint on that record. '' I don't know if you guys read my attachment file correctly, but I don't think it was supposed to be duplicated. I'll attach documents one more time. Please carefully read my attachment from XXXX XXXX  this time.

I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter ( Ref ; Attachment ) from XXXX XXXX on XX/XX/2018. They said, " In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your Ally auto account to reflect it as Paid in Full. '' But after 30 days I looked at the credit reports for each agency and found out that they were still not yet correct.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank Credit card and my minimum balance was due by the XX/XX/XXXX.

I made a payment earlier in the day, but needed to deposit money into my checking account before I could make my final {$300.00} payment.

I live in California along with almost 40 million other people.

The United States has a system of time zones and California is 3 hrs behind Eastern time.

I tried to make my payment online and it was telling me it was the XX/XX/XXXX when in fact it was still the XX/XX/XXXX in California - so I didn't pay online.

I called Citibank XXXX around XXXX XXXX  and asked to speak to the supervisor and brought up this problem - they told me that my card agreement has the time due as being midnight eastern time on the date due - I then asked to speak to a supervisor in the United States and spoke with someone - he took my payment using my bank routing number and acct number but advised that the payment is listed as being made on the XXXX. He did waive the late fee.

My contention, regardless of the written agreement, is that 40 million people are being discriminated against by being forced to make their payment 3 hrs earlier than clients on the eastern coast are allowed to - this is unfair to 40 million people.

Can you please work towards forcing banks and other financial companies to regognize the time zones of the country and class payments made by midnight in the local time zone as having been made on time regardless of what their system says.

Thank you for your attention to this matter. XXXX XXXX XXXX, CA 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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX had charged my account cause my account to go in to overdraft. I contacted XXXX to get the funds reversed and they did and then reached out to Wells Fargo to notify them about the situation. The agent I spoke to advise me to wait for the refund to go through then call back. Two days later, I reached out back to Wells Fargo to let them know that the XXXX transaction was refunded and that they need to refund me the overdraft fee so I can put my money in my account. The agent that I was speaking to was rude stating that the fee was unable to be. After arguing and explain the the situation about the fee, she finally realized what had happened and reversed the fee. Causing me to wait another day to deposit money in to my account to make the my payment and that next day I got a email stating that my credit report had update with a missed payment. I am seeking help with my situation due to the fact that it was not my fault that my account was overdraft, not allowing me to make my payment for more then a week while I was attempting to make a payment.

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