vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America issued to me a CASH REWARDS credit card. I earned {$27.00} on this account through the use of the card. Without warning, Bank of America closed the account, precipitously, and without cause. When I tried to have the already earned {$27.00} applied to my credit card balance, I was summarily told that since the account was closed I " lost the reward '' and will not be able to redeem it. 

The Bank eventually sent me a letter stating that my checking account would be closed and gave me 20 days to wind move my funds. They did not allow me the same time to redeem the rewards that I had already earned and that their system still shows to be earned and awaiting redemption. 

This is an exact copy of what they are showing me : Summary for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total credit line : {$3000.00} Rewards for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total Cash Rewards : {$27.00} Cash Rewards Go to Rewards View/Redeem Since I have earned this amount Bank of America should be required and obligated to credit my account with this amount ASAP. They refuse despite repeated requests for them to do so. 

Furthermore, they should also repay me for the {$6.00} that was debited from my checking account on XX/XX/18 and paid to Direct Checks for checks on an account that they summarily closed without cause that are now useless.

Go toMake payment for Bank of America Cash Rewards Visa Platinum Plus - XXXX Go to

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
Consumer complaint received 2018-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
there was fraudulent charges made on my account my wallet dl credit cards passport where stolen, and used all over the USA, not once did cap one contact me not once did they send me a fraud affidavit not once did they contact the the police department to verify these where fraud and they rebilled my account in total blatant violation of the law and did this without even investagating if they did they would have knew my id and credit cards where stolen, the only time they contact me was today to tell me there rebilling the charges even though they never got my side of the story or send an affidavit or contacted the police

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Recovery Solutions
State: CA

Complaint narrative:
United Recovery Solutions of XXXX, KY is attempting to collect on a debt which is not mine. Rather, As I have explained to many debt collectors since 2014 my family is part of the XXXX XXXX XXXX XXXX Data Breach and as such we are part of a protected legal class. To wit, this debt is not mine but rather was incurred by another person or entity as part of their illicit activities.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
I was under the impression that I was consolidating my loan and going into an income based program. The company XXXX XXXX XXXX claimed they were a government agency and apparently used equitable acceptance to finance my loan for a fee. I had no idea I was being charged a service fee to consolidate my loan. They charged {$2000.00} for the service fee. They are drafting my checking account for {$42.00} a month. I tried to cancel because there is no fee to consonlidate your student loans. I can do it myself. I thought the {$42.00} was going towards my student loan balance. However, they said I am stuck with the debt and owe them or they will report it to the credit bureaus. This is fraudulent business practice. By both XXXX XXXX XXXX and XXXX XXXX. My servicing company is XXXX and I believe they are fraudulent as well. They put me in forbearance when I thought I was going into an income based program. Now Ive accrued a ton of interest. These companies are fraudulent businesses. I also have reason to believe they logged into my fafsa account and changed things around which is illegal. They also told me my loan would be forgiven after 10 years which is a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX and XXXX XXXX  with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with 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 2018-10-30 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: CA

Complaint narrative:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the Dept of Education and they too could not find any loans associated with ssn. 

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts 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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: MO

Complaint narrative:
I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I applied for a Capital One card and received a request, by e-mail, for more information. The e-mail said I had 35 days to send that information. I was busy with a business trip so I did not get to it for nearly 3 weeks, which I figured was fine since it was well within the 35 days. However, when I went to click the " submit documents '' link in the e-mail it was broken. So I called the customer help line and they told me that despite the e-mail saying I had 35 days, I actually only had 14 and then the link expired. They said the 35 days was actually the deadline for mailing in the additional documentation. There was zero indication of the 14 day deadline on the link anywhere in the e-mail. Now the whole process is greatly delayed and the company is being extremely unprofessional about it, saying it is my fault despite the fact they gave me faulty information. So now I've got an application on my credit report that probably isn't going to go through because of a mistake on the company 's part, and the company is completely unwilling to do anything to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I don't believe I had a credit card that they are claiming I had, it was XXXX XXXX from XX/XX/XXXX so they say. They keep calling repeatly threatening me that they are coming to my home, using abusive language and swear words. They will not stop calling, they use different numbers, some with my area code which leads me to believe that someone local is calling me. I am on disabliltiy. A small check to barely get by on. I am a nervous wreck. The last lady show called from XXXX said I was a XXXX and some other very gross things I cant repeat. 
Below you will find they numbers they call from. 
XXXX unknown XXXX XXXX they call on both my home and cell phone they are very threatening. 

My phone numbers are XXXX 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 2018-10-30 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: WA

Complaint narrative:
Experian reports that I filled Bankruptcy chapter XXXX in XXXX, which I did. But that case was converted to chapter XXXX and discharged in XXXX. But Experian doesn't report it. I was denied a credit because Experian reports a pending bankruptcy. I filed a dispute to correct the information. The answer was That record is certified and remains on my record. I didn't ask to remove. I just asked to update the info. I couldn't find any way to update my dispute and was reffered to this web site. How can I update my information since Experian refused it? 
P. S. XXXX and XXXX report correct 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 2018-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto ran my credit without my permission. I am attaching to this complaint a copy of my pre-approval letter from XXXX XXXX XXXX showing that I had already secured financing for my vehicle and had no reason to allow anyone to run my credit considering my credit union had already ran my credit for the pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts 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 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling 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 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
On today 's date XX/XX/2018, I called Pro Comm Services in XXXX, Illinois to verify my debt. My request was repeatedly denied, stated " we are not a billing agency, we only go by phone not paper ". They also refuse to accept any payment of it not in full. I would not agree to any kind of arrangement unless it is in writing which they also refused to send.

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.

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
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
shows im decessed and im not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
So in XXXX a credit card from XXXX XXXX was opened in my name. In XXXX I was XXXX years old, also when I contacted XXXX XXXX in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
XX/XX/2015 - Moved out of rental property in XXXX, GA completing required move out obligations with property management company XXXX XXXX XXXX. Move out inspection was scheduled after relocation date for my work and rendering me unable to attend. XXXX into XXXX I contacted the Rental Property Manager to inquire about the status of my security deposit return as I had not received it. The manager informed me that I would not be receiving the deposit and in addition I would be responsible for charges that I was until that point unaware of. Requesting documentation of these alleged charges I was hard pressed to recieve anything from the rental property as they had little to no records of my lease agreement the result of an acquisition. I still affirm that these charges were fabricated and illegitimate. Communication with the Property Management Company deteriorated as the Manager no longer responded to voicemail nor was available for conversation. XXXX of the following year debt collection attempts began immediately prompting my dispute letter to the company Fair Collections and Outsourcing, these attempts to dispute the information with them directly went unanswered. See attachment for reference regarding the events that there unfolded.

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.

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