vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?

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 2018-02-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX 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 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/XX/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 monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17 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: FL

Complaint narrative:
I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, Transunion, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

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 2018-02-17 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:
I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP
State: AL

Complaint narrative:
I informed the company XX/XX/XXXX to stop automatic payment, due to not having the available funds in my account due to on going legal actions and being a XXXX XXXX XXXX and XXXX XXXXe veteran not XX/XX/XXXX This company continue to draft my account causing multiple over draft charges to my account. 

I have the email letter that I sent to them. The repersentative from this company called me several time after I said I would call them back after speaking with my advisor. The person still called me back which I found to be harassment. The individual also called before XXXX and would not listen too me, talking over me so I told him by due my XXXX flaring up. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Long story short, I'm a XXXX year old New to debt and I talked to two representatives in one day who told me I owe two different things! I was trying to understand why my amounts changed after making my third payment today & why one representative is telling me I owe one thing while the other is telling my I owe another. I get on the phone with the manager for her to be rude as XXXX from the moment she picked up. I understand " this isn't a customer service '' gig but at the same time, 1. I'm not going to keep paying money to people who obviously don't know anything. 2. If I'm trying to understand what's going on, and you're going to act like it's killing you to explain to me, the debt will never be paid. Why would I pay something and at this point I don't even know if it's legit. I'm asking the lady okay what will happen if I don't pay so I can understand their process and she goes " well you either pay or see what happens '' like XXXX kind of XXXX is that ... what's supposed to happen? Not only that, the manager didn't even give me her name, when I asked to speak to someone above her she goes " you won't be speaking to anyone else. I'm the only you're going to be talking to '' and you aren't getting paid either. I'm trying to be grown enough to get this XXXX figured out but she will not talk to me like I'm below her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: FL

Complaint narrative:
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

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 2018-02-17 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:
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: AES/PHEAA
State: FL

Complaint narrative:
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I became a XXXX XXXX credit card member since XX/XX/XXXX. Upon signing up at the store, I was issued statements directly to a former address. When I moved to my new home several months later, I wasn't receiving statements when I had a balance. I did change my address online successfully. I followed up with the credit company and they told me that my statements weren't sent to my new address successfully because USPS had returned to them. Not sure why or how but I was receiving other mail. XXXX never bothered to call me about this issue. This prompted me to call them to update my statements to be sent electronically to my email address. When I had a balance, I received a couple of notifications about my statements and due dates. However, the last time I used my card, there was no communication sent. I had made a small purchase on XX/XX/XXXX and completely forgot about that purchase. I would have been reassured about payment due dates via the electronic communication but there was none from XXXX. When I finally received a notice via email, it was in XX/XX/XXXX stating I was overdue payment. I immediately called XXXX to explain my situation and they could not help me at all. My original balance of some {$37.00} became {$100.00} that included fees. I paid my balance and sent a letter to the address listed when logged into my XXXX card online : Correspondence : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And never received any response. I am really upset that they failed to contact me during my first statement cycle and thereafter until I had accumulated more than three times my purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a Citi Double Cash Rewards card last month. After using it for a few weeks and paying off the balance in full within 2 weeks of any purchases, I went to use the card and the merchant said it was denied. 

I called customer service, fraud department. They said they needed to verify my phone number via a text message. Then they said that wouldn't work, but couldn't give a reason. Then they said my only recourse was wait for a letter in the mail in 7-10 days. 

They refused to provide an explanation for why the card was shut off, why they couldn't verify my information, or otherwise inform me on anything. 

I then asked for a supervisor. She also was no help. I said I wanted to close the account. They refused to close my account. I'm now stuck with no card that works, no reason as to why, and no ability to close my account. I also discovered that 100s of others had the same exact experience, as reported on 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 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

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 monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.

Company response to consumer: Closed with explanation