vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Bank of America Credit Card Sevices / Visa card number ending in XXXX To whom this may concern : Back in XXXX, I opened a consumer visa credit card account with Bank of America, at the time of opening my credit card account, Bank of America required a {$99.00} deposit, at which time I paid as part of the opening of my new credit card account. 

Its been over 3 years since my consumer credit card account was opened, while doing an accounting of my monthly bills, I remembered the process of what was required of me back in XXXX when I opened a credit card account with Bank of America. I decided to call in to BofA and inquire about the process of the {$99.00} deposit, was it something that would eventually be returned to me automatically, or exactly how the deposit process actually works. 

I was advised at the time of my call, that in order to receive my deposit back, I first needed to request it, then a process of filling out a request was done by a Bank of America agent and would then receive my deposit back in the form of either a direct deposit into my bank account, cashiers check or regular check within 7 to 10 days, I opted for a physical check. This was on or around the first week in XX/XX/XXXX I was also assured that I would be receiving a letter in the mail prior to receiving my refund check. Neither took place, no letter, no refund. 

I then reached back out to Bank of America around or about the middle of XXXX, explaining the situation and that I had never heard anything back from BofA, the agent at the time was very nice, explained while apologizing, stating that she could see that I had called and requested the refund of deposit. Unfortunately, the rep didnt properly process my request. She assured me that this time, she would get it right and that for sure, I would receive my refund check in the amount of {$99.00} and in addition, I would be receiving a letter confirming the process. 

Well, its now XX/XX/XXXX and I have received nothing or heard nothing from Bank of America, I advised the agent at the time, that if I didnt hear back from Bank of America, I would then reach out to the Consumer Financial Protection Bureau and request that they look into the issue further. 

Please investigate the situation and lets hope for a quick and easy resolution to the problem. There seems to be a lack of proper handling regarding my request. 


Sincerely, XXXX 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 2019-03-07 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: ERC
State: CA

Complaint narrative:
I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ). 

The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''. 

On XX/XX/XXXX, XXXX  credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX. 

The debt collector ( ERC ) has reported to XXXX  before 30 days period and before receiving my letter to them requesting validation. 

If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TX

Complaint narrative:
Experian is incorrectly reporting an item on my credit report for XXXX on XXXX XXXX, account number XXXX. This reporting is a violation of the Fair Credit Reporting Act. This account is over 7 years old. Please remove this item from 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 2019-03-07 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Discover Bank Inquiry Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I applied for a {$3200.00} loan we could loan me last year due to my good credit FICO XXXX I was approved. the loan officer was  harassing me everyday that I must take out XXXX XXXX that would be better for me. the distribution of XXXX was such that they paid off my One credit card for XXXX what's the interest rate was only 9 % in the balance was put into my checking account at XXXX XXXX. during the approval process I was asked to send a voided check with my ID to the loan officer but she never disclosed to me that without my authorization or knowledge she set me up for automatic withdraw from my XXXX XXXX checking account fraudulently. on the second month I called XXXX XXXX to put a stop payment on that withdrawn since it was not authorized by me. due to the monthly payment being changed loan me  again was able to take out money from my XXXX XXXX account without my authorization. from the day I got that loan I get harassing phone calls on daily basis from their call center non-stop switching their phone number two different numbers and calling what are the payment is due or not. since last year I've been asking the representative to send me my loan disclosures that tells me what my interest rate is and what my balance is and they say yes we will send it to you but as of XX/XX/2019 I have not seen anything in the mail. I am providing you with a copy of the monthly statement that they sent in the mail it does not say the interest rate the balance or anything all it says is how much to pay which is predatory. I am not able to pay XXXX a month it is unknown number. I will file a lawsuit against loan me if for any reason they start calling my friends my relatives or anyone that I am associated with pretending to look for me. 
loanme  is fully aware that I am unemployed at this moment but yet I have been paying their monthly payment since last year. it is affecting my health in my well-being and I worry every night about this loan. I wanted to report this earlier but my brother-in-law passed away and I was busy taking care of him so I had no time to deal with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
During the times of the hospital visits, I had health insurance and full health coverage from the Department of Veteran Affairs. I went to the hospital and now they refuse to accept the insurance. 

The collections are : Kings Credit Services Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX. XXXX, Amount {$1300.00} 2. XXXX, Amount {$130.00} 3. XXXX, Amount {$450.00} Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 1. XXXX, Amount {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc. 
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I was approved easily for a small {$500.00} loan as part of the MONEY LION PLUS PROGRAM and paying XXXX a month - I have no problem with that as I'm working to build my credit score while on a humble XXXX income I had to turn to 5 years ago as my condion worsend.. 
Hower part of the money Lion plus program was they also deduct from my account ANOTHER {$79.00} -broken down into XXXX as a monthly membership fee and a XXXX into a " investment ' '' account - The loan I can handle ... 
My complaint is the other XXXX that is almost double my loan payment -- it's tightened up my budget beyond being doable in life needs - since the other XXXX is really my money voluntary put in a investment - I called them, and asked to close my membership, send me The XXXX ( built up in " investment '' ) that's mine, OR put it towards loan payment - seems fair and morally even I pay what's lended to me They said no way ... it will ALL continue till loan payed.. 
I payed down to XXXX and WILL pay THAT- they refuse to stop deducting the other XXXX monthly out of my account that's Not part of loan repayment - I told them I'd call the bank and stop the ( ACH ) deduction that was the member / investment part - They replied - " they'd give me a negative mark on my credit score EVEN if I kept paying loan BUT didn't pay other deductions that are MY money, not loan ... 
An extra XXXX might not seem like alot to some, but when your paying up past LEGIT bills to improve credit score, while living on tight budget, it all helps - but even with my personal life not included, there unwillingness to allow me to close account while still paying loan is my complaint to this organization. 
Thanks for reading and any help that can be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Credit for XXXX XXXX credit card is an absolute disgrace and beneath standards of basic business. They ripped me off on promised rewards. They don't provide accurate itemized statements. Only summaries. They email my certificates with their hundreds of ads emails per month subjecting it to the risk of being stolen and won't stop it or give me the ability to stop it. I tried to call them and have limited phone minutes. It takes 10 minutes to get a person through their horrible recorded phone system. I entered my private info and then the person who comes on has no idea of what I entered and plays dumb. I wait even more they have no idea about the program or what I am due. I was put on hold and waited another 20 minutes and got nothing out of it. Then I called the next day went through endless loop of recordings and talking to the recording and waiting and waiting. Then I ask and some so called manager comes on after I demanded her and she is even dumber than the rep. She asked me for 3 private info. I gave it to her and she kept asking even more and more to 5 and still didn't help me. I am giving all my private info. over an insecure phone subjecting me to even more risk. There website says it has chat which is a lie because it is only a search bar for help yourself. These companies are getting away with horrible crime by issuing accounts and not providing basic reasonable and useful service for customers! They promise promotions and do not deliver or fulfill them! I returned an item to XXXX XXXX and they were suppose to give me back the amount of the rewards I paid with. They shorted 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
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: OK

Complaint narrative:
I was notified recently when checking my XXXX credit report that a collection account has been placed on my credit report opened XX/XX/2017. Upon looking i see it is from RECEIVABLE-in regards to XXXX  XXXX in the amount of {$160.00}. I Have never received notice of the alleged debt and have no idea what the debt could be for. In doing so i was denied my legal right to dispute any debt within 30 days of notification pursuant to the 15 USC 1681 et al. 

I would like to ask if Receivable is the original creditor? Can they prove beyond a reasonable doubt that i have a signed agreement agreeing to pay your company? 

I am demanding this to be removed from all of the credit reporting agencies and proper procedure and protocol is to be followed. 

if a a reasonable solution is not reached i will be forced to file a complaint with the attorney generals office in the state which said company resides up to including litigation in a court of law. 

i have also attached a screenshot showing this account removed from one of my reports but still remains on my other credit reports.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly reporting a balance due on XXXX partial account number XXXX. This account is over XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
Its not a valid debt and Ive requested them to validate it but they have not and they have been calling my coworkers and discussing this debt with them. I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Received a call from XXXX XXXX and XXXX saying they are a lawyers office saying I owe and amount on a Cash Net Loan that I do not owe. It worried me so I searched their name on XXXX and every review says it's a scam. Also left a voicemail for my mom, and I'm not sure how they got her number. Will not stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NV

Complaint narrative:
XXXX XXXX, a supposed " credit reporting agency '' now being used by MANY real lenders, even though XXXX is providing FALSE information, and EXTREMELY LOW credit scores on me and THOUSANDS of other people, that do NOT follow FICO guidelines and they are most often than not, inaccurate reasoning as well! There are complaints everywhere including XXXX, XXXX, XXXX and others. XXXX is NOT one of the three major credit reporting agencies and are NOT providing a legitimate " FICO '' score, yet companies are using them to deny credit or only offer much higher interest rates which is unfair and against the law. I was denied credit based on XXXX 's report. They also do NOT allow us to obtain a copy of our report or score without mailing or faxing NUMEROUS personal documents, which is extremely UNSAFE and unfair of them, and I will NOT mail those documents which could then be used against me or sold to identity thieves! The 3 major agencies all allow online access to this information safely. This company XXXX XXXX, their name alone using XXXX shows they are a shady company that should NOT have access to all our personal information, needs to be shut down and charged with fraud at the very least! Limited Liability name or not, they MUST be held liable for their detrimental actions on THOUSANDS and THOUSANDS of American citizens!!! There should ONLY be the three MAJOR reporting agencies that are monitored and follow the LAW!! This company should NOT have access to our private personal information!!! Please stop this company from destroying so many people 's credit lives!! People all over the country are being overcharged interest rates or being denied credit they rightfully deserve, like I was denied!! PLEASE shut this scam company down and arrest the individuals responsible!!!

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 2019-03-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please be advised that I've taken numerous steps to have " Experian '' to correct items on my credit file. However, time and time again Experian has choose to ignore federal law. On or before XX/XX/2018. I've written to Experian expressing my frustration with them not following correct procedures to properly investigate. Incomplete, erroneous, misleading, and out dated/ old account that are way beyond their Statue of limitations in my state of New York XXXX But they refuse to adhere the law by removing or delete these accounts.

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 2019-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Its a car Loan that I requested information on two times. I havent received any information. I disputed this a couple times. They picked the car up. I never got information to buy the car back. The loan was sold to gm from another company. I stop receiving information at that time. I requested the physical verification of the original signed consumer contract for the loan. I still havent received it yet. I was thinking section 609 ( a ) ( 1 ) Protecting me. 
The account is GM Financial account number 44406****amount XXXX Dont they have to remove it under FCRA?

Company response to consumer: Closed with explanation