vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. I submitted a CFPB complaint case # XXXX, got an ackowledgement that Ms. XXXX XXXX is handling my case and requesting me to call back to confirm it was my case. She never picked up my phone call and never responded to my emails. Bank of America is simply dodging to honor the promotion at this point.

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 2019-08-27 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: CA

Complaint narrative:
TransUnion keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs 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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account with XXXX XXXX XXXX was closed and charged off back inXX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in 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 explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to XXXX/TRANSUNION and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.

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 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a credit card account in 2018 with SEARS/CITI to save a few dollars on an in-store purchase. I have called them twice and closed the account, but I'm still receiving Bills of {$0.00} and they keep sending me blank checks to transfer debt that I don't have.

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 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: PA

Complaint narrative:
Calling to collect a debt from a completely unrelated person. Called both my father and I numerous times. No responsibility for this debt calls should have never been made to my place of business or my father. Unprofessional and harrising. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I got served for this debt in XXXX, my nephew was handed paperwork for a judgment. This is when I became aware of this debt with Bank of America. I spoke to my Attorney XXXX XXXX and he agreed to represent me since I had no knowledge of this account or use. When we went to court someone from Bank of America was there to represent them and showed me an itemized bill for how this CC was being used. There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They compared my signature with the one 's Bank of America had and they were completely different. When the representative from Bank of America ( XXXX XXXX ) testified she came to the conclusion that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. After showing all the evidence the judge and BOA agreed to dismiss this debt. However, When I tried to apply for this home loan this year this account is still appearing 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 2019-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a XX/XX/XXXXXXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. 
They " hired '' me and told me to start a 15-day trial period using two of my  credit cards ( Bank of America Travel Rewards and XXXX XX/XX/XXXX XXXX ) to make purchases. 
They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two-account information to my online banking in order to make the money transfers to my credit cards. 
I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XX/XX/XXXX and sent them to the address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). 
For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XX/XX/XXXX. 
I would like someone to help me what other steps should I take. 
Thanks in advance, XXXX XXXX cell : XXXX email : 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
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF 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 explanation
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: LoanCare, LLC
State: SC

Complaint narrative:
Loan Care Servicing Center has reported to XXXX that the mortgage they serviced for me was discharged in Chapter XXXX bankruptcy. They also show show that no payments were made in XX/XX/2017. That is a false statement. Yes, I filed a bankruptcy, but this mortgage was not part of it. I signed a Reaffirmation Agreement and retained the property and paid the monthly mortgage on time, in full every month. In XX/XX/2017, Loan Care Servicing transferred this mortgage to XXXX XXXX and the house was sold in XX/XX/2017. I am attaching all documentation showing the transfer, sale and payment logs that I retrieved from Loan Care and XXXX XXXX websites. I am also attaching a copy of the court filing showing the Reaffirmation Agreement was  signed and XXXX 's result of the Dispute. I filed a dispute 5 times. XXXX   said as long as Loan Care keeps stating their statement is true, there is nothing they can do. I also contacted Loan Care three times. The first time by phone, they found my account. The second time I called, they said they have no record of my account. I emailed with twice and no response from them. I filed a bankruptcy and took the hit, but Loan Care filed this after the fact and I have been damaged severely. My credit dropped 60 points due to this.

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 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: DE

Complaint narrative:
I receive over 60 calls per day at all hour from Discover Card collections. Even after being told I am filing bankruptcy, they continue excessively. This has reached harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received this letter on XX/XX/2019, I never went to XXXX Hosp XXXX XXXX, I always have XXXX, I have Medical with XXXX so I don't pay anything for medical or hospitals. I explain to the collector, this is the first time I received any communication from this agency, never received any communication with XXXX  Hosp XXXX XXXX, I have all my insurance and medical that I could provide, But I never gone to this hopital. My contact number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Fortiva Retail Credit is charging me interest on an item I returned because it was damaged. They received the credit back on XX/XX/2019 but are telling me I have to continue to pay interest on the balance. The company refuses to refund me the money that is credited on the account and the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian 's automated system does not work. It goes in circles and there is no one to speak to for help. It demands you send a request via mail ... which is not useful. 

The law says they need to comply within 3 days of receipt of request in the mail. This is what I will eventually have to do, but I'm furious that they have made it so difficult. 

Whatever faulty piece of information that keeps their automated system from working with me needs to be fixed. And if there is no faulty information, I would say this difficulty is intentional so that they can sell their credit security services ... instead of complying with the spirit of the law.

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 2019-08-27 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX is showing a chargeoff in my report from Comenity Bank/XXXX. Its not showing a balance however. I havent had a XXXX account recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine.

One account on your report shows past due and could use your attention.

Total open balances {$140.00} How did we get this info?

Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance FIN CR NETWK {$140.00} Needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Financial Credit Network Inc
State: CA

Complaint narrative:
XXXX  keeps reporting this information on my credit report even though I have disputed this account has not being mine and the creditor has no documentation to proof that it's mine. 

One account on your report shows past due and could use your attention. 
Total open balances {$140.00} How did we get this info? 


Credit Cards {$0.00} Collections {$140.00} Student Loans {$0.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} COLLECTIONS {$140.00} Reported balance XXXX XXXX   XXXX {$140.00} Needs attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received email and physical correspondence from AMEX about a new program called Pay It / Plan It. The program allows a creditor to bunch up large purchases and create a payment plan specifically for only those purchases. After seeing this offer on both my AMEX App, Email and Physical advertisements I decided to take advantage of the offer. There was no need to sign up nor any credit check of any sort it was included within my card. I then made a large purchase and when I tried to complete the Pay It / Plan it program I was prompted by the app and the website that I can not use the Pay It / Plan It program. I then reached out to Amex both via chat and via phone and I was told that my specific card product does not allow this due to the minimum payment calculation or what have you. Yet I referred my fiance to use this card and she is in fact being able to take advantage of this program. In my 6 years with AMEX I have never missed a payment and I have had a high credit score. I provided proof to AMEX that I received an e-mail with a photo of my Blue Card and the last 5 digits of the card on the e-mail and the first link within the e-mail is the Pay It / Plan it program. When I spoke to a representative they apologized saying that this is not an offer that I am eligible for. I advised the agent that this is predatory lending and false advertisement by AMEX because I made this large purchase with this card on purpose. Mind you, AMEX has the highest interest rates and due to the program I could avoid such fee 's but apparently AMEX has boxed me in and now I have no choice but either pay my balance in full or incur their OUTRAGEOUS interest rates. I have proof of the email I received from AMEX and read all of the fine print and I should be eligible for this program. I am disgusted to be an AMEX member for over 6 years and not be able to take advantage of a program that was offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I have a debt reporting on my credit for an account that is not mines. I have no knowledge to where this debt originated from nor have I authorized anyone else on my behalf. This debt does not belong to 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 explanation