vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.

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 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
GOOD SUNDAY, SIRS. CITIBANK SAID IF OPEN A CHECKING ACCOUNT BEFORE THE END OF XXXX, AND FUND IT WITHIN 30 DAYS, AND KEEPING {$50000.00} FOR 60 DAYS, THEN YOU WILL BE AWARDED {$500.00}. I OPENED ACCOUNT BEFORE THE END OF XXXX, BY XX/XX/XXXX, MAINTAIN {$50000.00} ALL THE WAY TO LAST FRIDAY. THEY DID NOT GIVE ME {$500.00}, LAST FRIDAY, I CALLED, FIRST LADY TO ANSWER THE CALL SAID SHE NEEDED TO TALK TO HER BOSS, SECOND PERSON ANSWERING THE PHONE WAS GUY, FIRST HE SAID THAT I DID NOT HAVE PROMO CODE, I SAID THE WHOLE PROMOTION NEVER MENTIONED THAT IT NEEDS A PROMO CODE, THEN HE WENT TO TALK TO HIS BOSS. A LADY BOSS TOLD ME ON THE PHONE THAT I DID NOT MAKE ANOTHER DEPOSIT IN THE CONSECUTIVE MONTH, I REPLIED THAT YOUR ADVERTISEMENT IS {$50000.00} IN THE ACCOUNT FOR 60 CALENDAR DAYS TO QUALIFY, DID NOT SAY NEED MORE THAN {$50000.00}. SHE WAS NOT ABLE TO HAVE A FAIR ARGUMENT. 
THE ADVERTISEMENT NEEDS TO BE FAIR AND SQUARE, CAN NOT SLAP ITS OWN FACE. PER BANK 'S PROMISE, THEY OWE ME {$500.00}. AND YOU BE THE JUDGE. 

THANK YOU

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 2018-03-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
1. XXXX  is reporting to Experian that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016.

2. XX/XX/XXXX is reporting to both Experian and XX/XX/XXXX that the account Condition as Derogatory. This is not correct. XX/XX/XXXX was paid-in-full {$28000.00} and the account condition is PAID.

3. XX/XX/XXXXis reporting to both Experian and XX/XX/XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XX/XX/XXXX Bankruptcy. XXXX must only report the current condition of the 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 explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.

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 2018-03-18 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: GA

Complaint narrative:
I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. TRANSUNION 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. 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 2018-03-18 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: GA

Complaint narrative:
I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX 1XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX EXPERIAN :

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 2018-03-18 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: DISCOVER BANK
State: FL

Complaint narrative:
I have 3 things on my credit report that I want to dispute. 

I have an account with XXXX, XXXX reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/XXXX 

I have an account with Discover Bank that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account onXX/XX/XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: HI

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
the bank withdraw funds from my account but did not provided any information or description to me about the withdrawal. the statement shows withdrawal but i never withdraw those funds. second transaction shows online dispute but i have not received any information regarding any dispute. bank failed to protect my funds and provided no documents regarding any disputes and withdrawals. 

XX/XX/XXXX Withdrawal XXXX XX/XX/XXXX Reverse Credit Due To Online Dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Many fraudulent charges through XXXX into one of the cards of my American Express account. The total amount of Unresolved disputed charges exceeds {$900.00}, accumulated over several months. Upon my first detecting and reporting the case, in XX/XX/XXXX, AmEx issued credits although for less than the total amount reported. That card ( of 4 in the account ) was cancelled and replaced by a new one ( with a new number ) but many more fraudulent charges kept arriving at the new card from the same source, without AmEx doing absolutely nothing to protect the account, by blocking them or issuing warnings to us, despite the recent experience from the month before. So, we stopped using that card in XX/XX/XXXX. Since then AmEx kept doing nothing to resolve this situation, i.e. issuing the credits as requested. After half a dozen calls to try and resolve the situation, all unsuccessful, I closed the AmEx account in XX/XX/XXXX after paying all other charges up to that date. Since then, after several more calls to resolve the situation, AmEx still has not even opened a File with a Case Nr. to register this situation, per my last call on XX/XX/XXXX. I have received tree fax numbers -- ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX -- to send documents, none of them work. Furthermore, AmEx doesn't provide addresses to send them the information by either email or postal service. Attached copies of the Statements containing all fraudulent charges credited ( checked ) and still open ( circled ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have accounts opened with 3 companies that I need to be verified. 

I have an account with XXXX XXXX showing that I owe the amount of {$750.00}. My credit report shows that I opened this account on XX/XX/XXXX. 

I have an account with XXXX XXXX that was assigned on XX/XX/XXXX from a cable/cellular company showing that I owe the amount of {$220.00}. 

I also have an account with XXXX, XXXX that was assigned on XX/XX/XXXX from a cable or cellular company showing that I owe the amount of {$1200.00}. 

I will need written contracts with my signature from these companies showing that I agreed to pay them these amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: CA

Complaint narrative:
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.

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 2018-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
I am a veteran who received prior authorization to go to the XXXX XXXX XXXX on XX/XX/XXXX since I had just had a XXXX and was having further symptoms. I never received a bill from anyone other than the ambulance service in all this time and that is the only reason I knew the VA had not paid yet. The VA informed me that the hospital had not sent them a bill and the only bill they had was the ambulance bill. I had a very hard time getting the hospital to cooperate even though I had given them all the information they needed to bill the VA upon arriving on XX/XX/XXXX. The VA finally received the bill and paid them. On XX/XX/XXXX, I received a notification from XXXX XXXX that a company had reported an account. The original company is XXXXXXXX XXXX   XXXX XXXX but the collection agency listed themselves as I contacted the VA again about this. He and I called the collection agency together and I noticed I was never given the mini Miranda at any point when speaking to this individual. The VA representative informed the collection agency rep, XXXXXXXX XXXX, that it was illegal to double bill the veteran after the VA had paid. XXXXXXXX XXXX lied and said they were collecting on behalf of the hospital. XXXX XXXX went on to say that they would not take it off my credit unless told to by the hospital even though no one ever contacted me about this and I was not worried about it because the VA was paying all the bills. XXXXXXXX XXXX would not listen to either one of us, and when I asked for the phone number to the original creditor, he stated he didn't know it. I then asked to speak to his manager after he was arguing with me in an immature manner, ( I have the call recorded ), and he placed someone on the phone who just repeated himself over and over while refusing to tell me his name. He ultimately hung up on both of us. The VA rep could not understand why this collection agency refused to listen to him and did not know where to go from there. 

XXXXXXXX XXXX  XXXX bills for imaging and is not considered part of the hospital. I verified this after speaking to the billing department at the hospital. XXXXXXXX XXXX  XXXX never once mailed me a letter or called me and the collection agency never sent me a letter or called before placing this on my credit. The VA can not get through to this collection agency as they will not listen and say they are not breaking any laws. The collection agency also stated to the VA that a portion has been paid but they want the full amount. This individual does not understand how government payments work and that I am being double billed. If I am not mistaken, by federal law, they are supposed to be giving the mini Miranda as well. This is not how to collect money.

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 2018-03-18 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: IL

Complaint narrative:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my 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 2018-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, ( aka Stillman Law Office ), a debt collection law firm with offices in Michigan, Maryland and Massachusetts, has filed a complaint against me to collect a debt of which I am unaware of and still have yet to be notified about. 

The supposed debt is from a company -- XXXX XXXX XXXX -- that I have never heard of. 

I am aware, however, is that XXXX XXXX XXXX is reputed to be notorious for unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation