vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Twice, this company has marked my account as " in deficit '' and sent my information to collections agencies, as a result of their own lack of organization in processing payments. 

My auto loan account has been set on automatic payments ( through my own bank, which is larger and more reputable than Fifth Third ) for several years. Every automatic payment has gone through without a problem, and yet twice already this year, Fifth Third has claimed they did not receive my payments. When I checked with my own bank, they were able to confirm that the checks had been sent on time, delivered on time, and cashed by the recipient. However, Fifth Third failed to credit my account and marked me delinquent. Without contacting me, until after they reported my information to collections. The first time it happened ( in XX/XX/XXXX ), they told me there was nothing they could do and refused to accept numerous forms of proof that the payment had been applied. To guard against this recurring, I set up my payments to have additional confirmation and increased the amount of payments to 20 % more than the monthly amount owed. 

This seemed to work fine for a few months, but again in XX/XX/XXXX they failed to credit my account and did not notify me until I began getting robo-dialed calls ( who promptly hung up when I answered ) during my vacation, about five times a day. I did a reverse lookup on the phone number and it showed up as Fifth Third Collections Department. I called the bank directly and asked to speak with someone who could explain what was happening. Their customer service phone system repeatedly dropped my call and I had to give my account information about five times before one rep promised to escalate the issue. He then placed me on hold for several minutes, and hung up on me. As previously, the reps could only tell me that they had no record of the latest payment and I had to pay a late fee on top of doubling my payment ( which I can prove had already been cashed by them. ) They offered no further solution, or any means of escalation, until I asked repeatedly. I had already checked my Fifth Third account online, and there were no prior messages, alerts or warnings that the payment had not been posted. Just a late fee, which had been applied two weeks after the payment was cashed.

Not only is Fifth Third clearly processing payments in a disorganized and unsecured manner, but their apparent standard operating procedure of sending accounts to collections without notifying customers or seeking solutions that won't negatively affect a customer 's credit rating is unethical and just poor business practice overall. 

When I tried contacting Fifth Third regarding this issue, several times, by phone and email, all I got was a form reply telling me that I could contact Collections to pay my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to US Bank. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.

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 2018-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One NA XXXX, XXXX XXXX XXXX XXXX XXXX, Utah. XXXX ( XXXX ) XXXX In regard to the company listed above, Capital One is reporting hard inquiries to my credit report each month which can be seen on my personal credit report from XXXX credit bureau. I do understand that I have a debt in collections as a " charge off '' with this company, however, I have not been making any inquires or contact whatsoever to this company which were reported on : XX/XX/XXXX- states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -- states " Reason Unspecified '' - address ID # none available Capital One continues to make monthly hard inquiries account. I understand that the personal debt with this company also affects my credit report, But I have not had any contact with this agency in over 180 in order it for it to legally become a " charge off ''. I do acknowledge the last contact with this agency in regard to Capital One Auto Finance on XX/XX/XXXX, which is subject to be removed from my credit report until XX/XX/XXXX. However, I did not legally authorize or give any consent for Capital One to keep running Hard inquiries on my credit report which are listed above. Every month, of the year ; I receive 12 hard inquiries from Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX, XXXX from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Talbot, Adams, & Moore, Inc.
State: HI

Complaint narrative:
Sent in a letter of dispute and creditors neglected to mark my credit report as disputed. Creditor is not licensed in my state to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called Citi Cards customer service on two separate occasions ( on XX/XX/XXXX and XX/XX/XXXX ) to dispute and resolve the issue of why my 10 year credit history with their Citi XXXX Card was no longer being reported to XXXX, XXXX, and XXXX credit reporting agencies. My Citi XXXX Card was opened on XX/XX/XXXX. This issue has significantly effected my credit score in a negative way. Following my second conversation with Citi Cards customer service department, I faxed and mailed a dispute letter to the Citi Credit Bureau Dispute Team as instructed by the customer service representative. I also mailed and faxed a copy of two XXXX credit reports, and an XXXX credit report to prove that my Citi Card credit history was once reporting to XXXX, XXXX, and XXXX credit reporting agencies but it's not now.

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 2018-05-03 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: OH

Complaint narrative:
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXXXXXX XXXX is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. Experian should know better. 

Per Experians own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is aware my account receives deposits every XX/XX/XXXX of the month from the government through the Treasurer Department for XXXX, I had written out two checks ; 1. {$5.00} - XXXX XXXX XXXX   XX/XX/XXXX 2. {$400.00} - XXXX XXXX ( My landlord for rent ) Dated XX/XX/XXXX I had the appropriate funds in my checking account when the checks were issued, however due to having the need for clothes, I made a purchase at XXXX for {$64.00} that unfortunately was budgeted incorrectly and led to an over draft for the written checks.

I spoke with Bank of America and was refused any courtesy refunds, I was notified I had one " valid '' overdraft waived last year in XX/XX/XXXX therefore can not receive another, however Bank of America fails to realize I've banked with them for over 30 years and never abused their policies or took advantage of requesting my fees to be waived.

It's unfortunate this occurred and Bank of American can not provide help to their customers who have been with them for this long.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After approximately 15 years of being a customer at Bank of America my account was abruptly closed WITHOUT notice. I went to purchase some, much needed, medicine at the pharmacy and my card did not work. I tried to log in online and my account was locked. 

I called the bank to see what was going on and I was informed that my account was being closed. When I asked why I was told " The bank has the right to terminate its relationship with you at any time and has made a business decision to close your account. '' I asked for a specific reason and that is all that I was told. 

I had about $ XXXX in the account and I was told that it was being mailed to me and that it would take 10 to 15 BUSINESS DAYS. 

I now can not pay my rent which is due on the XX/XX/XXXX. I am going to get charged an approximately {$350.00} to {$500.00} late rent fee because I do not have any access to my money. I am also going to get charged late fees to creditors. I have critical medicine for some VERY SIGNIFICANT medical issues that I now can not pay for, for the next few weeks because I have no access to money. 

I also, have payments from my job that are supposed to hit my account via direct deposit. ON TOP OF ALL OF THAT I CAN NOT OPEN ANOTHER CHECKING ACCOUNT BECAUSE I DO NOT HAVE ACCESS TO MY MONEY AND WONT FOR POTENTIALLY 3 WEEKS. Had I been given even a 24 hour notice I would have been able to pull my money out of my account and take it to another bank. 

This is a COMPLETELY unethical business practice regardless of what the terms in the account agreement state. A bank has captial set aside for unforseen and XXXX business events. Yes, a consumer can close an account with a bank at any time without notice. A bank, however, has funds sitting in an account because this is a XXXX activity. A consumer does not expect a bank to close its account after 15 years WITHOUT NOTICE!!!!! 

I recently entered into a hardship program with my credit cards at Bank of America due to medical issues and I beleive that Bank of America is discriminating against me because I have entered into that program. I think this should be publicly communicated. I do not know what else it could be becaue Bank of America is being very secretive about why they closed my account

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 2018-05-03 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My problem is with the credit bureau 's are allowing companies, that I did not authorize, to do hard inquiries on my credit. These type of inquiries hurt my credit score and I want them removed immediately. There is a total of about 20 inquires that are not associated with any accounts that I have or requested, however they match unsolicited offers that I get in the mail. 
Please help me get these off of my credit reports. What should I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have received at least three ( 3 ) automated phone calls per day for the last three or four ( 3 or 4 ) days  while I'm at work from Synchrony Bank [ phone number XXXX ] acting on behalf of Care Credit.  They claim that I owe {$2400.00} for XXXX performed by XXXX XXXX XXXX XXXX. They further allege that I am delinquent on that account. The irony is, I've never had any XXXX or other dealings with XXXX XXXX XXXX XXXX. Then they stated it was for my wife 's XXXX. She has had two ( 2 ) XXXX with them. However, I have a copy of her most recent statement that shows a balance of {$760.00}. I contacted them earlier this evening and spoke with a foreigner who repeatedly tried to get me to admit to the debt and to make an online payment. I repeatedly stated that I would have to speak with my wife first. He persisted until I finally told him I didn't care what he put into his system, just stop calling me. I should mention that I am a XXXX with good credit. Their phone calls are not only irritating, but disruptive to my XXXX XXXX. 

When my wife came home she told me that she has contacted Care Credit several times and nobody can tell her why she owe this extra {$2400.00}. Subsequently I contacted Synchrony again this evening and was told by them that they were not contacting me about my wife 's account, but about an account in my name for XXXX performed on me. Let me reiterate, I have never had any XXXX period. I've never even been to XXXX XXXX XXXX XXXX office. Synchrony tried to deflect the blame back to me when I questioned them about the account in my name and asked them to tell me when I had these supposed XXXX. I also stated that I had never received any bills for this account. They told me they didn't have that information. At that point I demanded to speak with a supervisor and an AMERICAN. They transferred me to their fraud department where I spoke with a snotty woman who did not identify herself. 
She made me repeat everything I had already said and kept interrupting me. She finally admitted that this account was fraudulent and obviously not mine. I demanded that they stop calling me and very explicitly said I would fine a complaint and I would seek legal action if any of this showed up on my credit report. She made vague statements to the effect that I had a right to complain and I could sue anyone ( as a veteran I take offense when a foreign national tells me what my rights as an American citizen are ). Despite repeated statements on my part, she would not say that this wouldn't show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. 

While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed. 
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days. 
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines. 

Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2018-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My home was foreclosed on XX/XX/XXXX without me having my due process. Bank of America would not allow me to extend my foreclosure meditation process or make a loan modification. I believe I am being discriminated against. I have been in the home for over 9 years. I reached out to Bank of America several times to modify my loan and was given the run around. I submitted financial documentation and received a letter of receipt of confirmation XX/XX/XXXX from BOA no answer regarding the modification. I was given a motion of ejection for XX/XX/XXXX. I filed a motion of stay of ejection and was denied today. I also filed a motion to open my foreclosure judgement because I was not given the opportunity to stop my foreclosure with a loan modification. I go to court XX/XX/XXXX. BOA has a history of discriminatory lending and mortgage practices against XXXX Americans and XXXX. I would like BOA to agree to open my foreclosure judgment.

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 2018-05-03 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXX GM Financial is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. XXXX  should know better. 

Per XXXX own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Card was lost sometime beforeXX/XX/XXXX. These charges unauthorized :XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$200.00}.

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