vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've contacted the source for the credit agency XXXX XXXX to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and TranUnion continues to report that XXXX XXXX is reporting the information is correct and remains the same. I've submitted the report from XXXX XXXX and they still refuse to correct the information or show proof of anything different from XXXX XXXX or the Courts.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The dispute is a American Express credit card payment Account Number Ending : XXXX back in XX/XX/2017. Originally the account number ended XXXX. 1 mistake i made is looking at the bill pay, it shows only XXXX as the full account number. I don't know if it is short for security or if i actually made a mistake and did not type the full number when i made the payment. 
As i said before, I sent a payment to AMEX but they did not apply the {$3000.00} payment to my account. I have been calling but can not find anyone who is willing to find why my payment was not applied. 
I have attached my Proof of Payment from XXXX, and all of my statements showing the electronic payment was completed and never kicked back so AMEX has the money somewhere but will not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northeast Recovery Solutions, LLC
State: OH

Complaint narrative:
The Northeast Recovery company has been calling for the last year for someone with a similar name but is not me. They called XX/XX/XXXX twice and left a message was left from a XXXX XXXX and he said that they were from XXXX XXXX and that someone called and field a complaint against me, they also said the banking info they have is incorrect I don't even know what this company is. They called again yesterday XX/XX/XXXX and left a threatening message and I called the phone company and was told to reach out to wind-stream to FCC and then the FCC told me to contact the federal trade commission who then told me to reach out to you and file a complaint. The phone company told me that they have received several complaints for this same company and that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: IA

Complaint narrative:
I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy 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 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After I graduated from XXXX XXXX, I applied for income sensitive repayment plan as instructed by Bank of America so will be eligible for student loan forgiveness because I am a XXXX XXXX. I have worked for the XXXX XXXX XXXX for over nine years. I learned in 2014 that my payments sent to Bank of America did not count towards the payments for loan forgiveness.

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 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Checking Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$10000.00}, but the bank holds that check and refused to give me my remaining balance until now. The bank claims that I have to bring all the people who had sent me money to me for the past 3 months to the branch, to verify their identity, so they can release the money to me. However, there are few people live in other states or out of the county right now, therefore, I was unable to bring them to the branch in person. I tried to call the bank several times but they still refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on time.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX  via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX  for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?

copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.

Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...

Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.

Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.

If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.

Thank you for providing us with the opportunity to assist you.

Sincerely, XXXX XXXX E-mail Support Representative

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I had a credit card with XXXX and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been receiving Emails, phone calls and letters from the Know Your Customer team at Citibank since XX/XX/2017. They claim that they are investigating me and my small business checking account for possible money laundering and the letters threaten to close or block my account if I do not comply.

I have responded in numerous ways in attempts to provide them with the information they requested. First they asked for information on the charitable contributions from this account, and then other information. No matter what I have done to comply with their requests, the matter is not resolved. Moreover, in addition to the constant barrage of threatening letters, Emails and phone calls, they have in fact closed, opened and closed again my account numerous times. Despite talking to them on the phone on dozens of occasions and being in contact with my personal banker at the local branch on XXXX XXXX in XXXX, I continue to get emails, phone calls and letters telling me that the issue is not resolved. Today Wed XX/XX/XXXX I had my son call again. He spoke with and I have spoken with both XXXX, XXXX of the XXXX team and XXXX of the XXXX team. The second XXXX   promised to send me an Email confirming that the issue was resolved and that we didn't need to send more forms, the latest one being a Beneficial Ownership Declaration, and then put me on hold for 10 minutes. She then got back on the line and told me she had to investigate the matter further and would NOT send the Email as she had promised. She then hung up when I requested to speak to a supervisor.

I am an XXXX  year old woman and I use this account for a small business I have. I have had this account for twenty years and up until now have never had a problem. Over the last few months of this travesty the account has been opened and closed several times and yet is still not resolved. The literally dozens of Emails, phone calls and letters have left me hysterical and distraught. I am requesting that you investigate this matter and have Citibank resolve it so that I do not receive any more calls, letters or Emails from them. This constitutes harassment and abuse. Given that they have closed my account ( and reopened it ) numerous times over the last three months and I continue to receive daily calls and Emails, this matter is rather urgent for me as I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
I have been receiving repeated phone calls from this debt collector attempting to collect on a credit card debt from a company that I resolved the issue with over 10 years ago. I have advised them verbally on recording from them and myself and in writing ( delivered certified mail and signed for XX/XX/2018 at the front desk to cease and desist and to validate the debt. I have continued to receive phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years.

XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX  ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 The above inquire was not authorized by me. Contacted XXXX and was told to send a physical letter to XXXX Customer Relations at XXXX XXXX XXXX XXXX XXXX, NM 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 2018-03-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I was given a {$200.00} American Express Gift Card from my former employer a 3-4 years ago. The card is clearly marked on the front of the card with an expiration of XX/XX/XXXX ( XX/XX/XXXX ). The back of the card also clearly states " Funds do not expire ''.

Went to use the card on XX/XX/XXXX and the store told me it had a XXXX  balance. Didn't think I had used the card so I called the customer service phone number on the back XXXX to find out why it had no balance. Long story short - they told me it was a state/federal law that required them to XXXX the account one year from issuance. They told me they cold re-issue the {$200.00} balance - but they needed to talk to the person the card was issued to ( former employer HR department ).

American Express contacted the HR assistant at my former employer and told her she needed to email them various pieces of personal information, i.e., DOB ... then they could re-issue the {$200.00} balance to the card. The HR assistant is not comfortable with sharing that information.

Reached out to American Express a second time and tried to speak to a manager to try and get this issue resolved. Long story short I was transferred to their XXXX customer service department - which could not put me in touch with a manager. I was told there was no manager on site, I was not allowed to leave a message and my only option was to continue to call back and hope I caught a manager ... What the XXXX!

American Express is stealing the {$200.00} and it's a complete travesty that they can clearly advertise an expiration date that's completely false. It's ridiculous what they are making me go through after I've spent thousands of dollars with their company.

The card was issued in the state on MN and MN Gift Cards do not expire per a XX/XX/XXXX state law. I want my {$200.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: IL

Complaint narrative:
Bank of America decided to closed my account and they said at their discretion they had the authority to do so. When I applied to re-open an account today, they denied me and I called and told me the absolute same thing. I think it has something to do with race. I had an incident at a Bank of America location on XXXX XXXX XXXX XXXX, IL. against an employee who wouldn't cash my working check due to the fact that they made out my check as XXXX  instead of XXXX. Any of bank of America I went to, they never refused to cash my check. I notified the bank of America customer service department but did not get a response. This employee was unprofessional and always discriminated against me by saying " you again '', " I told you that you need to go elsewhere '' etc. This location does not like XXXX  people like myself.

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 2018-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company continues to charge me late fees even though I attempted to close my account with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.

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