vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Around XX/XX/2019 give or taake a few days I went to XXXX XXXX XXXX in XXXX XXXX Texas which is identified as XXXX store # XXXX I purchase a XXXX XXXX Tv and put it on a XXXX loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed XXXX customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from XXXX. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help

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 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After banking with Huntington for several years, in total 18 years on and off, they froze all my accounts on Tuesday XX/XX/XXXX. They claimed the issue was due to my XXXX Deposits first, because they came in my username not my real name, which is common with online selling venues. I leave to get the documents they request and while in the parking lot I am called to bring in further documents, this time about a check I deposit on behalf of my mother for survivors benefits of workers comp she receives from my uncle she cared for after his XXXX for two decades. My mother is now XXXX, she is a XXXX   XXXX XXXX, and the bank forced me to bring her out in freezing temperatures - despite her having a recent XXXX XXXX, to sign documents about my account - despite the fact I had provided POA documents before. After this SIX HOUR escapade - they unlock the account after XXXX that night and release my money. All the while, I am now behind on orders for work and was unable to buy postage and product due to my money being held all day - pushing me into 2/3 day delays. The account is fine on XXXX. On XXXX - after getting two large deposits from sales - once again my account is held. This time they wanted me to force my mother to open a bank account or they wouldn't unlock my account. They waited until after XXXX to lock the account so I was unable to get any sort of resolution that day and my money was held until the following day - and with another deposit coming in. Now I'm down three days I haven't been able to work during my busiest time of year. Friday, after I filed a complaint with the OCC - they release my account funds in part. It's now too late to buy product so I'm now 7 days behind on some orders. They force me to come back the following day to get the other half of my money. On Tuesday, XX/XX/10, the accounts are completely closed. I had to update my shops to new banks - which results in a 5 day hold - so now I'm at 9 days of loss of business and forced to refund many people. Two employees, namely XXXX XXXX and XXXX XXXX, were combative and unhelpful. XXXX XXXX degraded my mother for being XXXX and said he would not handle her XXXX and wouldn't help if she didn't stop being upset. He embarrassed and harassed her for three hours in the XXXX XXXX branch location.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: PA

Complaint narrative:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

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 2019-12-12 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: AR

Complaint narrative:
Bank of America attached to my account online message center another B of A customer 's contract documents. No assurance my documents kept private. XX/XX/2019 Bank of America billing dispute employee denied my claim on account ending XXXX. The employee sent notification email  alerting " new message about your claim ''. I logged into Bank of America message center, the denial letter and four additional attachments included on my claim site for account XXXX. The four attachments were for XXXX XXXX of XXXX, AR and contract to XXXX XXXX diet. I contacted Bank of America to address my concerns for my own claim 's 39 pages of confidential documents possibly attached to another Bank of America 's client 's message center. No assurance provided by Bank of America that my documents were secure and just an apology that Mrs. XXXX documents were not kept secure. Also, reporting Bank of America 's involvement in unethical timeshare scams with XXXX XXXX in XXXX, Missouri. Numerous attempts made to Bank of America to dispute the XX/XX/2019 timeshare contract negotiated fraudulently. Attachments included. Supporting documents of timeshare contract with my husband and my SS # s, birthdates, etc. to be provided upon request.

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 2019-12-12 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: PA

Complaint narrative:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: PA

Complaint narrative:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

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 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am in the process of closing one of my accounts with Bank of America ( BA ), because I was not happy with how they at BA handled my funds in the past. This account that I just mentioned is the account in which I had my payroll earning directly deposited until the end of XXXX. As I previously stated my plan was to close the account so I started by diverting my earnings to a new account with a different institution.. The transition brought some unfortunate problems with online transactions that were persistently rerouted to BA, these I resolved with BA representatives over the telephone. I kept the account open with a low balance. At the beginning of XXXX I thought to be proactive and to keep more money in the said BA account, just to wrap up some financial things at the end of this year. I decided to deposit {$600.00} of my earnings into BA. I wrote a check in that amount to " self '' to be drawn from the new bank where my direct deposit from payroll currently goes. This happened on XX/XX/2019 at the BA ATM on XXXX XXXX in XXXX Texas at XXXX. The receipt indicated a hold on the funds till XX/XX/2019 at XXXX XXXX. I verified that the {$600.00} had cleared the bank where the check is from and that happened on XX/XX/2019. I Have tried to understand why BA would take {$600.00} of my earning totally out of my reach ; the money is out of the account of origination and it is not in my BA account. I was told that they did it because they have the " right ''. I am still trying to wrap my head around this : what about my rights and free access to my earnings? I work 40 hours a week and have put in over time to earn extra for the holidays. How can BA be given the right to hold money of a hard working person in limbo, while I don't owe them any thing.

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 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months XX/XX/XXXX to XX/XX/2019 stated that i needed to pay the dollar amount. 
A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke with ARS - XXXX XXXX who stated that I was responsible for a XXXX $ and XXXX . i was willing to set a payment plan. Though I explained that i was not responsible for the debt because i never finished the course and i made the payment twice when i was still taking the course. 
ARS XXXX XXXX stated that i needed to set up a payment plan. In the process of cleaning my credit, i felt obligated to set it up. Then i had family obligations which affected my ability to follow through with payments. I contacted the company and asked for an extension and XXXX XXXX refused. I should not pay for a full amount that i did not use. That is not ok. 
Today on XX/XX/2019. Ability Recovery rep XXXX XXXX contacted me and stated that i was a liar and she is seeing that i am challenging the items. I do not think that she has the right to contact me and use such obscene language towards me. 
Whether i am challenging the account or not, she should not determine my actions towards the false claim that is hurting my credit unnecessarily.

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 2019-12-12 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: IL

Complaint narrative:
I've tried several attempts with XXXX  and Transunion concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from Transunion on XX/XX/19 and XXXX  on XX/XX/2019.

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 2019-12-12 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: IL

Complaint narrative:
I've tried several attempts with Experian and XXXX  concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from XXXX  on XX/XX/19 and Experian on XX/XX/2019.

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 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This is about the Chase company. I have two credit cards with Chase. Both of them, I have a cash advance. I want to clarify if theres an exception on Credit card act of 2009 that with the highest interest the payment should go first with the highest interest that is to my cash advance. Both of my cash advances Balance Subject to Interest Rate. is increasing the amount. One of the card {$180.00} last XX/XX/2019 statement now {$190.00}. The other card {$270.00} XX/XX/2019 statement now up to XXXX which is subject to variable higher interest than regular purchase. Per chase customer service, they can not manually control it since Im just paying minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was attempt to use Capital one credit card ending XXXX in early XX/XX/XXXX, which was alerted by XXXX XXXX fraud to be shipped to secondary address. My primary address was not used but as a front. XXXX {$520.00}, XXXX {$440.00} ; XX/XX/XXXX {$95.00}, XXXX {$140.00} total XXXX After several calls, Capital one blocked the card not deactivated the card XXXX. Fraud stated, '' we sent new card out. '' XX/XX/XXXX via US mail : received new card and the new card was the same card again.I told Capital one to deactivate the card, why is the card blocked not deactivated? Why is the same card XXXX being sent out again? I am so stressed out over incompetence. 

On XX/XX/XXXX, called Capital one and told them about the same card XXXX sent to me in the mail. The agents in the background was laughing and yelling, I told the agent that I could hear them and not the agent. The agent said " they are celebrating. '' I could not take anymore this morning and disconnected the call. Later that day, begged and was very stern and demanded a supervisor which eventually spoke with. XXXX supervisor said " we sent out a different card number to you already with a different card number and looking at a different number. '' I said " No, why am I looking at new old card ending in XXXX. '' Pleaded and yelled in my shame " I do not want the card, regardless, please, audit the credit from the charges that are fraud, please. '' Why is my payment still XXXX dollars and XXXX dollars credit back due to fraud? '' My first call originally, about fraud to Capital one card ending XXXX. The agent could not get information about fraud nor transfer me to fraud. Capital one call center is not from the US, which concerns me terribly. Spend my precious time being insulted and waiting on a process that is at a slug 's pace. Do you really want to call a credit card company that is outsourced to foreign countries " online your account instead of talking to unknown entities. 

They sure do not make it easy on members of the XXXX. 

Wished I could say it is a pleasure. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to Capitol one and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to XXXX  and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from Capitol One. I want my FICA scored corrected and CAPITOL ONE out of my life forever. 
Its been so long since I've done business with Capitol One I have not credit card numbers, receipts, or any other documentation from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I fell behind for XXXX and XXXX of XXXX. I called as there web site was too convoluted to get the payments caught up. What I was told on the phone with the agent, was to put in the XXXX plus dollars and it would be divided and put into, XXXX and XXXX. What really happened was they took the XXXX plus and then tried to take another XXXX on top of the XXXX which i did not authorize and my bank account bounced the XXXX. I immediately went to the bank to find out why I had a overdraft charge. That is when the bank told me about the XXXX after they took the XXXX. The bank told me that they made an unauthorized draft. They credit me back the overdraft. I was then told to contact them by phone. I tried and the phone system would not get me to a person. I stopped all payments and took back the XXXX. I contacted XXXX XXXX to find my next steps. In the mean time, I made my normal XXXX payment of {$1000.00}. There web site did not show the XXXX for a week. XXXX XXXX told me to call and make arrangements for the XXXX. I got through to an agent finally and recorded our call. I and the agent agreed that I could add XXXX to my regular payment and it would be put towards the XXXX till it was satisfied. The Law Firm sent them a letter telling them they made an ilegal draft and need to credit me that. They did not and they have not responded back to XXXX XXXX. At the same time, they keep sending letters of the XXXX being owed and to call them. As we agreed on the phone, I sent to them a bank check for {$1500.00}. I put on there web site, cancel bank drafts. What I got in the mail was I now owe them, XXXX and they did not put the XXXX towards that dept. What they have done is try to take money out of my bank again, even though I cancelled and sent them a check. I have copies of there web site, recording of my call to them, and emails with letters all certified mail. I sent letters and I keep getting letters of dept owed, to call them and all without them honoring anything I have tried to do to remedy the situation. This started in XXXX, XXXX. I was told to file a complaint with you bye my attorney 's with XXXX XXXX and they still are waiting on a response to there initial letter to the Mortgage Company, I have followed my attornys leading in this situation.

Company response to consumer: Closed with explanation