vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2019, my girlfriend and I went into the Huntington Bank at XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ( what is listed above in the form I filled out is the corporate office ). Waited over 30 minutes to see someone about setting up a new business account. Note : I'm already an existing 11 year customer with a healthy business account and personal account. We ended up getting the Branch Manager,  XXXX XXXX. Get in her office and she stops me mid sentence and says and she won't deposit the check because " company '' was abbreviated to " comp '' ( which ended up being because of software character limits in the company name ). If that's not enough, she didn't even bother to setup the new business account or even offer to set one up, or look up my existing account. I need to be very clear here, she didn't even " wake '' up her computer or use it at all, she didn't even swivel around to look at her computer. 

We then went to the Huntington Bank on XXXX and the Branch Manager had no problem! Setup my new account and deposited my check. A week later, got my new debit card in the mail and the company name was abbreviated to " Comp '' - yes. Seriously! So according to XXXX XXXX, this debit card would not be valid. Right? Did I mention I had my girlfriend with me when I went in? That is discrimination. This lady needs a job that caters to her discrimination because at the end of the day, no training can remove her subconscious hatred that affects her ability to do her job fairly. 

I called the following week and filed a complaint with Huntington Bank. XXXX XXXX ( phone number XXXX ) called me back from the corporate office and basically just listened, in a later conversation, he admitted he took no action. There was some miscommunication and another person named " XXXX '' ( phone number XXXX ) called from a XXXX area code stating to be from Huntington Bank. He told me he spoke to XXXX XXXX and the reason she didn't setup the account is because the mailing address of the business was at a XXXX store. Remember I said she never once used her computer? I have a witness, she does not. That is her defense. It's an outright lie and falls flat when I say it is the same address of my business account that I've has with them for years. There is really no other explanation than discrimination if I am able to take the check and DBA across town and get the account setup and check deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: FL

Complaint narrative:
my child personal information have been used without my concern,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit debt recovery company has contacted me regarding a debt owed from XXXX XXXX XXXX XXXX. Medicredit has failed to provide a debt validation letter in writing, and their right to collect on behalf of XXXX XXXX XXXX XXXX. I have requested this information in writing and they denied my request for information over the phone. Additionally, I have never received any mail correspondence on this debt. I requested that a supervisor return my call to discuss this account on XX/XX/XXXX, and have yet to receive a call back. Medicredit also tried to say that I attempted to pay the account off via credit card but the card was declined for unknown reasons. I never authorized such a transaction nor can they provide documentation that I did. I want this resolved as quickly as possible because I am fearful that they will negatively impact 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 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was affected by hurricane Michael and accepted a disaster forbearance from Bank of America with the understanding that at the end they would bring the loan current by placing the payments in the loan as they did for Hurricane Irma which was a FEMA declared disaster. 

At the end of the forbearance they did not do it putting me behind. I and my wife are XXXX us XXXX veterans who served in XXXX. We were forced to submit a loss mitigation package and have done that but Bank of America has not processed that and we are headed to foreclosure.

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 2019-08-28 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I had a medical bill for {$45.00} that was paid by check to the company that provided the service, XXXX XXXX. 

Months later on XX/XX/2019, I get a notice from a credit monitoring agency saying a deliquent account for {$45.00} was reported by " Focused Recovery Solut '' to ONE of the credit bureaus. I called the number to investigate what it was for and then see it had already paid but call the bank and the check didn't show cleared so I mailed another check to the company, XXXX XXXX, and carbon copied the letter to the collection company, Focused Recovery Solutions, on XX/XX/2019. 

I never received any correspondence from Focused Recovery informing me of the debt or trying to collect until yesterday, XX/XX/2019 when they said they received my dispute and it was infact valid and they did report it to the credit agencies and are still demanding payment. 

Furthermore, they reported it to the other two agencies the first of XXXX. 

The appropriate steps were not taken to collect the debt and it was paid again on XX/XX/2019 by check # XXXX and cleared the bank on XX/XX/2019 -- -so it's NOT VALID!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
why do i have two loan modification what happen to the XXXX i payed and why do i have 30 yrs more too pay my note off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN XXXX DOB XX/XX/XXXX PHONE : XXXX XXXX XXXX XXXX Advanced Resolution Services XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Dear Legal Department, I humbly request a copy of the consumer report from your agency and I ask now for no future late or derogatory information reported by anyone as there has been significant identity theft over the past year. Specifically when I spoke with one of your agents she indicated there was a bankruptcy on my report. Once I receive the report, I will send the appropriate information disputing this account and others. 

Moreover, I request you immediately put a security freeze and alert on my file as well as fraud alert as this Dispute Letter serves as my formal complaint to this agency because you are reporting inaccurate credit account information. Additionally Ive submitted a formal complaint to the Consumer Financial Protection Bureau. 

Policy states. 
According to the FAIR CREDIT REPORTING ACT FCRA Section 168Ic Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Sincerely, _________________________________ Enclosures : Proof of Identity Drivers License and Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Account Services, Inc.
State: NY

Complaint narrative:
I had a private student loan from XXXX University XXXX XXXX XXXX that I defaulted on. The account was sent to Allied Account Services. Ive been paying the account but certain things were not explained clearly. They are charging interest plus Creditor added fees. I was told by allied that they could collect additional fees these fees were over {$1500.00} on a {$5800.00} debt. I dont think that the original balance reflected a payment that I made before the account was sent to collections. I do not know how they calculate these fees. In addition I am being charged Interest. The interest rate is supposed to be 5 %. My monthly bill does not always have an accurate interest amount stated. For example on XX/XX/XXXX the interest charged was {$1.00} on principal amount {$2700.00}. The creditors fees was {$11.00}. On XX/XX/XXXX the interest was {$220.00} principal amount was {$1800.00}. The creditors added fees was {$62.00}. Why is the interest and creditor fees going up? 

Heres another example : In XXXX XXXX the principal was {$5800.00} the interest charged was {$680.00}. Added creditor fees was {$1400.00}. In XX/XX/XXXX the principal was {$5500.00} interest {$21.00} creditor fees {$1000.00}. 

I requested information on how interest is calculated from Ms.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 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KY

Complaint narrative:
My credit card bill was not sent to my house for several months ; when it was the numbers on my credit card did not match the numbers on my credit card bill. Payments were deducted from my checking account, then they were not credited to the credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: AMCOL Systems, Inc.
State: SC

Complaint narrative:
Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me. 

This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report. 

Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences. 

While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer. 

This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to run my credit to buy a house found out that I have a medical collection shown on Equafix which I dont have any medical collections. Have contacted Equafix but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX sold a Charged off Debt to Portfolio Collection Company. Portfolio is trying to Collect XXXX $ more then the debt owed. This is False This is Fraud. This is against FCRA this is illegal. I demand that this account and all other accounts be verified with my signature on the original contract be presented and the amount owed. Or Delete them immediately. I will follow suit. 
Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/19 a company did a hard inquiry on my credit that I did not know about. I called Synchrony Bank in late XXXX, or early XXXX, asking them to remove the unsolicited inquiry. They told me they're not part of Paypal 'yet ' so they claim they did not do the hard inquiry even though both of their names are on this inquiry. I can not get through to Paypal to see if they can remove the inquiry or to explain what it is. Some credit reports show Syncb/ppc & others show Paypal via Syncbpaypa. The address is XXXX. XXXX XXXX - XXXX, MD 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 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to run my credit to buy a house found out that I have a medical collection shown on XXXX which I dont have any medical collections. Have contacted XXXX but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help 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 2019-08-28 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle. 

I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit. 

The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had multiple personal and business accounts with american express for nearly ten years. I have never once not paid the balance in full before the due date. Given my flawless account history I have over a {$300000.00} line of credit with them. They have recently locked my accounts to do a risk review. I provided my tax returns showing healthy income and offered to submit my business returns which show 10 million plus in revenue. They said they only want the personal returns. 12 days later they permanently canceled all of my cards. They did not give me a suitable explanation besides that I was linked to another card holder who had a delinquent account. This additional card holder works for me a few hours a week, and I got him a card to purchase some basic office supplies once a week. I was not aware this account holder ever had financial issues with american express. As a result of this all of my accounts were shut down. American express refused to issue my points that were on the most recent statements which totaled over 200,000 points, in addition they refused to refund all of my membership fees totaling over {$1000.00}, and they demanded I transfer all of my points out of my account same day with resulted in a major financial loss. In addition I relied on this card for all of my business spending and now my business is crippled and can not be repaired for many months. I believe this level of bullying from corporate America is unjust and unfair to a small business owner. All assistance it appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A company by the name of XXXX charged my account XXXX. I reported this as unauthorized on XX/XX/19 and My bank Bank of America refuses to issue me a credit. I have 3 overdraft fees and I can not pay my car payment. B of A is showing zero compassion they will not even issue me a partial credit to pay my car payment. Ive never been treated so badly by any financial institution. All I want is my money back. There is such a lack of compassion. I want this complaint published publicly so no one else has to suffer through this. This situation has caused me to become sick and miss work as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief