vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I already lost 4 hours in phone calls trying to resolve this. On XX/XX/XXXX I called BofA to report my XXXX credit report showed I opened a credit card with BofA which I never did. 

The bofa representative did not understand my request correctly and closed my 5-year old credit card with BofA and marked as fraud. Before finishing the call he repeated the account number and I stated he made a mistake closing my account ending in XXXX but he panicked and transferred me to another person. 2 hours back and forth with fraud and customer service. No one could resolve my issue. 

On XX/XX/XXXX my statement will be due and XX/XX/XXXX I will have another statement due. I have no access to the online website anymore and could not pay my balance. 

Today XX/XX/XXXX i called again to pay this by phone. I lost another 2 hours back and fourth with the customer service and fraud. Customer service can not accept the payment because the account is flagged as fraud. Fraud could not resolve as well. I tried to speak with a manager in the fraud department. And could not reach him. 

Eventually the fraud department asked me to try to pay through an IRV system. She forwarded the call but I was disconnected. 

I am filling this complaint after 2 weeks and 2 phone calls ( 4 hours total ) trying to pay my balance in an attempt to have someone who can resolve this issue and before my credit report gets damage due to the series of BofA mistakes, ad training, and failed procedures.

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 2022-10-01 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: KY

Complaint narrative:
This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I continue to ask ARS TO PROVIDE THE FOLLOWING...... THEY NEVER SEND THE INFORMATION I'M ASKING FOR. 

FORWARD DETAILS ABOUT YOUR AUTHORITY TO COLLECT THIS DEBT WHETHER YOU ARE LICENSED IN MY STATE AND IF SO PROVIDE THE DATE OF THE LICENSE, NAME ON THE LICENSED NUMBER AND THE NAME ADDRESS AND TELEPHONE NUMBER OF THE STATE AGENCY ISSUING THE LICENSE IF YOU ARE CONTACTING ME FROM OUTSIDE MY STATE PROVIDE THE LICENSING INFORMATION FROM YOUR STATE AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: AZ

Complaint narrative:
Spoke with XXXX 3 days ago and told him I didnt make or authorize these inquiries on those dates. He said he has a legal right to publish them regardless of my complaint and I cant record him while I tired to correct the issues. He also hung up on me n blocked my number from a live USA rep. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have ordered tires on the XXXX of XXXX for {$1100.00}. 

On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. 

On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX  XXXX XXXX AZ. 

The merchant names are different on the statement, but they include the same phone number. 

I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. 

I have filed dispute twice charges, but they were rejected. 

I have only authorized {$1100.00}.

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 2022-10-01 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was called by my bank indicating my credit score dropped drastically. 
Barclays Bank charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

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 2022-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In XXXX, I consolidated subsidized student loan into a XXXX consolidation loan with Sallie Mae, now doing business as Navient. During the time of the consolidation, I was not advised that if I consolidate a XXXX loan, I would lose all the benefits of a subsidized loan program provided by the government. 

I later found out that given that the XXXX loan at the time was approximately $ XXXX and the reminder of the loan was approximately $ XXXX, it would benefit me to remove the XXXX loan. The servicer refused my requests, to cancel the loan consolidation. 

In XXXX, I became a single parent and began to suffer financial hardship. Since I was parent with a XXXX XXXX XXXX and could barely make it, I was hoping furthering my education would help me to secure a better job and improve my financial situation. I went back to school under the school deferment, during that time Sallie Mae ( Navient ) lead me that the interest would not capitalize. After my graduation, to my shock, the servicer had capitalized approximately $ XXXX in interest. What is even more shocking is during that time Sallie Mae ( Navient ) never sent me a notice, showing how much I owed until after graduation. Imagine my shock after learning $ XXXX had almost doubled. I formerly disputed this issue and sent letter to XXXX for assistance, but the matter was not resolved. Again, the servicer deceived me. 

During the life of this loan Sallie Mae ( Navient ), instead of informing me of the XXXX program they, suggested forbearance until I max out my forbearance time. 

Now, over 25 years, I have made payment under the XXXX programs. Today my daughter has graduated college and I am still burden with this debt that has more than tripled ( a loan of $ XXXX is now $ XXXX ). 

The servicer also told me that after 25 years my student loan balance would be forgiven. I called a few weeks ago when I heard about the student loan debt relief program, and the servicer told me that my loan should be forgiven. When I called back a week later inquiring about the forms to be submitted for forgiveness, I was told by another agent that they could not be forgiven. All my research indicates that my loan is eligible for forgiveness after 25 years. 

On XX/XX/XXXX, I uploaded a letter to Navient requesting student loan forgiveness or the reasons for refusal. That letter was removed from my history of submitted forms. I have since forward this request in writing to the servicer. 

Please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
On XX/XX/XXXX I requested a refund of {$10000.00} of previous payments under the CARES act via online request. On XX/XX/XXXX I followed up with a phone call and the request was submitted. I was told my balance would be reinstated in about two weeks. On XX/XX/XXXX I called and was informed the refund is in progress but I've seen no new balance or refund as of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank decided to close my checking account. And they won't say why. That I don't care about so much. Each bank has it's risk department and that is fine. What I do have a problem with is they are saying the funds in the account are not mine. Which is not true. That money was transferred from MY XXXX  XXXX account into the Citibank account. So the fact they are trying to keep the money means they are trying to steal from me. It was a very simple ACH transfer from MY account at XXXX XXXX to My account at Citibank. I would like this dealt with asap as I'm trying to start a business and literally every dollar matters. I don't have {$170.00} to just give to Citibank. And they won't provide any account documentation. They offered no appeal process. And I'm pretty sure the phone rep called me a XXXX. So also XXXX. I want this dealt with immediately and I want my money back plus interest. This is very quickly going to turn into a lawsuit if not dealt with properly.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX where I used to work would force me to conduct illegal credit card transactions by forcing elderly customers to reapply for a XXXXXXXX XXXX XXXX  though they already had one. XXXX XXXX is the store manager who attempted to force me to do it. This person rewarded such behavior.

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 2022-10-01 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: MI

Complaint narrative:
*This item XXXXXXXX XXXX  is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been banking with Chime Bank XXXX XXXX XXXX XXXX, etc ) since XXXX, and have for the most part been relatively happy with my services. On Monday, XX/XX/XXXX, I received two emails notifying me that my checking, savings, and credit builder accounts had been closed, effective immediately. The reason behind closing my accounts was that my account " does not comply with internal policies and/or the member agreement ''. I tried calling numerous times with no success, as the recording said that since my account has been closed, I needed to email " XXXX '', or " XXXX ''. I emailed Chime support a few hours later requesting the reason why my account had been closed, and expressing that I needed access to the remaining funds immediately -- not tomorrow, not next week, not 30 days from now, but THAT DAY. I received a message back from a Chime employee named " XXXX '' who informed me that my account was not in compliance with my " Deposit Agreement '' and sent me a link to look over said agreement. Upon not finding anything out of compliance on my account, I emailed him back within 30 minutes of his email asking for further explanation. Since then I have received XXXX correspondence from Chime. I have tried calling again numerous times, finally got through to a live person for them to tell me I needed to email " XXXX '' in order to get an answer to my questions. Since then I have also involved a lawyer, as well as emailed them XXXX additional times to get answers, CC'ing my lawyer, the support email, as well as the review email addresses. My lawyer gave them 24 hrs to respond ( from XX/XX/XXXX @ XXXX ), with XXXX response. I have no idea how much money I actually have in my accounts -- I think I had about {$300.00} in my checking account and about {$300.00} in my savings account. I don't remember how much was in my credit builder account which was my main source of income. There was also an unrecognized charge on my credit builder account for {$200.00} which hadn't settled yet which I was planning on disputing. I have XXXX access to my accounts to even see what is still in there. Since they have not responded at all since the XXXX, I am forced to file a formal dispute. This inconvenience has resulted in me not being able to pay multiple bills, including my car payment and my car insurance, which will result in daily, weekly, and monthly late fees, as well as a negative impact on my credit report. I need this resolved immediately -- please, please help me! Please advise if any additional information is needed from me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CA

Complaint narrative:
I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX  charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

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 2022-10-01 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:
I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX : {$1100.00}

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 2022-10-01 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
Bridgecrest has theeeee WORST customer service on earth. I called in and asked about the loan mod/payment agreement. Of course, you get transferred to an offshore call center. The information I was given that was documented on my account by that rep was COMPLETELY WRONG. I called back and spoke with a supervisor named XXXX who promised that he would listen to that call and admitted that the notes stated that the rep told me inaccurate information. I called back and another rep told me that both the 1st offshore rep AND the supervisor told me incorrect. Now, I don't know what the heck to do and have a negative reporting looming at XXXX XXXX XX/XX/2022. A supervisor was supposed to call me back 2 days ago.

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 2022-10-01 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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