vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased my car insurance through my XXXX  XXXX XXXX Harris Credit Card. 

My car insurance gave me a refund through the credit card for nearly the full amount. I carried a credit balance on the card for months. 

on XXXX the XXXX of this year I noticed that BMO harris mastercard had posted a " Credit card Balance refund '' for {$340.00} which was the outstanding credit balance I had on the card. 

I called and inquired. I was told they mailed me a check for the amount. I verified they had the correct address. 

i never received the check. Never cashed it. I called back. They said they would mail me an affidavit to complete and return so they could re-issue the check. 

I never received any mail. Called back again. Verified address every time. I repeated this process 3 times, never received any letter. They are not sending me this document to reissue the check. 

I escalated to a VP i knew. He said he would help. I got an email from them today with an " attachment '' asking me to fill it out and return the document " notarized '' to them. The attachment was obviously incorrect and did not have any area for me to fill out. Almost as if they attached random documents they had on their computer. 

This process is ridiculous. This lender has stolen from me and refuses to give me my money back. I keep getting passed around and I refuse to go to a different local bank to notarize a document where I swear I haven't received or cashed their check. A document that they can't even provide. They should know if i had received and cashed their check. The only checking account I have is with this bank as well. I am stuck. They have stolen from 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 monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I applied for a capital one silver card I was approved for XXXX initially there was a delay in my application process and I was asked to mail a copy of my drivers license and with no avail after capital one identified I was XXXX American they came back and said my credit limit would only be {$500.00} my credit score was XXXX with all major credit bureau with no collections I have at least 6 people that are non XXXX American that have XXXX credit limit with less income and XXXX credit rating this type of bigotry is unacceptable and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus not updated my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed an order to purchase the XXXX XXXX from the online store ( XXXX, one brand of XXXX  ), the date is XX/XX/XXXX. My BOA credit card was charge on XX/XX/XXXX, but I did not get any shipping information from seller. XX/XX/XXXX, I sent email to seller to inquire about the order status. I got a reply from seller on XX/XX/XXXX. They told me the items did no ship out yet, they also did not tell me when the items should be shipped out. I reply them to ask for cancel the order. Because they promised they should send the items within 7days ( not 7 busines days ) from they got order. From that time to now ( XX/XX/XXXX ), I never got any message from seller, they also did not cancel order or shipped out the items. According this status, I want to disput this transaction from my credit card. But when I login my BOA online bank and tried to dispute this transaction, the onlin bank did not allow me to do this process. The online bank appeared I must to call a phone no. XXXX. I did online disput before, I did not understand why BOA did not allow me to do this time. My oral XXXX is not good to call a customer service agent, I think BOA this behavior do bring me too difficult to use credit card. I also do not understand why BOA change the disput method. 

Thank you for your time and attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an XXXX XXXX credit card with Bank of America. Their online payment system doesn't have a " minimum monthly payment '' or full payment option when setting up automatic payment but I am forced to pick an amount to pay when setting automatic payment. I took a balance transfer with 0 % interest promotion from Bank of America to transfer my balance from another credit card. I had to guess an amount that meet the monthly minimum amount. I actually picked an amount that was higher than the minimum requirement after I transferred my balance to the Bank of America. Four month ago, the 0 % interest promotion was expired. That triggered an increase in minimum monthly amount and the system flagged me as late payment and had past due amount even though my automatic payment was still working and money was withdraw from my checking on time every month. I didn't find out about the late fee ( {$35.00} ) which is about 50 % of my minimum monthly payment for several months. They sent a letter reducing my credit limit due to those " late payments ''. I called Bank of America to request for refund but they only offered to refund one late fee. If their automatic payment set up has options like other banks such as XXXX, XXXX, XXXX XXXX, which should offer three options : Minimum payment, Full payment or a custom amount, I would've not suffered the issues. I recalled I ran into this same issue before when I found out their system don't have minimum payment but you have to guess from the statement and the minimum payment will be adjusted depending on the interest rate but the payment option that we put in is not adjusted when the minimum payment is changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to Experian for inaccurate information that reporting on my credit profile. I submitted dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I am filing this dispute, I am on the phone with XXXX at Experian in the fraud department. He indicated that the accounts that I disputed were all coming back verified as accurate. I asked him how are they verifying the information and he stated that they contact the creditors directly. I then asked him why haven't I gotten correspondence back from them indicating how and where they had gotten this " so called '' verified information, and he told me that " b y law they are not required to tell me where or through whom they verify the accounts that I am disputing ''. Which I know via FCRA is incorrect. The credit bureaus are required to provide you with the reporting agency that they recieve their information from. XXXX told me that whatever the creditors tell them, that is what the report as valid. He told me that verifying information is strictly between myself and the creditor, and they do not send anything to the consumer about their method of verification. I know that my rights are being violated and I am livid that these creditors are given so much power over the erroneous information they are allowed to put on your credit profile. I have submitted proof of my identity to them, XXXX yet when I call the phone system to speak with a representative, the automated system says they can not verify who I am, then ends the call ), I have a paid membership with Experian.com, my personal information was breached during the XX/XX/XXXX XXXX  data breach, I have submitted police reports to Experian and I have verbal confirmation from XXXX  that they have in their possession my police reports indicating identity theft through FTC in their system, yet Experian is telling me that accounts I know are not mine will not be deleted because the creditors verified to them to be accurate. I believe this private company 's intention is to purposely continue to report inaccurate information about consumers, with the hopes of monetizing from them. I am disgusted with Experian and their practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, Citi closed my accounts without notice. The attached letter says the account was closed on XX/XX/XXXX but it was actually closed on XX/XX/XXXX. I have made multiple attempts to find out the circumstances but Citi has not replied, including writing the address provided in the enclosed letter. I have had Citi credit cards for about 25 years so I have a long history with them. I am disappointed by the closure and the timing in the middle of a pandemic. Very poor form. After 25 years of being a customer, I am due an explanation at the least.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus not updated my correct address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having issues with the credit bureaus not updated my correct address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My bank account will not allow me to use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}

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 2020-04-29 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}

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 2020-04-29 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: AR

Complaint narrative:
I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing Inc called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: OH

Complaint narrative:
Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for equifax XXXX XXXX and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i had approached wellsfargo for applying HELOC application. During initial consultation with the mortgage consultant he never disclosed to me about an important HELOC guidelines which resulted in decline of my application. 


Does the bank has legal right to withhold the guidelines from the customer which by disclosing should infact help the client to making the right decision and save time to look for other options if he did know of the bank guidelines Bank claims that they have right to withhold the guidelines i need help from your department to know if the bank is right or wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
I reached out to Merchants Credit Guide on XX/XX/2020. Spoke with Miss XXXX OP ID XXXX in regards to ( 2 collection accounts for medical services. ) The original debtor and the collection agency mentioned above have failed to comply with FCRA regulations to notify of debt so I can attempt to dispute if needed. I never received anything. I reached out today to request verification of debt. They would not send the information requested. I have asked that because I was not notified and the debt was unjustly reported to the credit agencies that this debt be removed. I have verified that I do owe this debt and it was missed. However, the debt was not properly reported to me allowing me an opportunity to dispute or resolve. I offered to pay Miss XXXX today, in full, as long as she can provide me something in writing that states these debts would be removed from all 3-trade lines. She indicated that today they are actually offering that to all accounts paid to XXXX  and there cause for offering this is because of the Corona Virus and they are trying to help people out given the current circumstances across the country but cant provide me that in writing. She stated, " Oh no they wouldn't put that in writing ''. Therefore, she is telling me they will remove the debt from the trade lines, but can not put that in writing to offer validation of statement. According to Miss XXXX she advised her supervisor Mr. XXXX and either her or Mr. XXXX would be calling me back today. 
It is now XXXX Eastern time on XX/XX/2020 and I have not heard from them. 

Therefore, I demand that the accounts held by : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the single amounts of : {$160.00} and {$300.00} For XXXX XXXX XXXX of XXXX XXXX XXXX XXXX KY Be removed from my credit report in an effort to make my credit report whole and true such as it did prior to these debts being reported and unjustly so. 
If Merchants is willing to provide me with a letter stating that once these debts are paid in full the 2 collection accounts will be removed from my credit report at all three trade lines in an effort to make my credit report whole again as explained above. Then and only then will I provide payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation