vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.

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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Customer Service is giving me the runaround refusing to re-investigate incomplete and inaccurate information appearing on my credit report. I was told to call XXXX ( to dispute ) yet no phone number appears on my credit report, then our call was suddenly disconnected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.

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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION

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 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

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 2016-04-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Bank of America has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have an XXXX Visa issued through Bank of America ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the BOA website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows BOA again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen BOA to issue their card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide

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 2016-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Bank of America ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Bank of America and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD " TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUTDOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON 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 2017-02-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I got called from the same number 14 times in a 30 minutes period on XX/XX/2017. I got called 14 times total on XX/XX/2017 and 6 times on and 7 times on XX/XX/2017. This shows that the calls have gotten progressively aggressive over the last 4 days. I informed the lady on the phone that I was filing a complaint with the cfpb and she threatened to note my file that I am unwilling to pay my debt. I informed her I have no money to pay my debt and as soon as I get my income tax return I will pay my debt back up like I do every year. She asked if I had any money to pay and I told her I have zero money for this debt. Then I told her I needed information from her so I can file my complaint and she said your file has been noted have a good day and hung up. Talked to XXXX XXXX XXXX XXXX the supervisor I informed her my fist contact did not give me her name and employee number ( XXXX ). XXXX provided the employee 's id number. When Informed XXXX of my intentions to file a complaint she informed me the call center is automated. I told XXXX I have received 14 calls in 30 minutes and XXXX told me they are allowed to call up to 8 times a day. That 14 calls must be an issue with the automatic calling system. I asked why the calls have gotten progressively aggressive and she said she did n't know. She asked me when I was supposed to get my income tax so I could catch it up like a douche every year and I told her it was suppose to be deposited in my account yesterday XX/XX/2017. I informed her I will pay it up in full when I get my return back like I always do. After finding out that this is the last day of the month XXXX offered suggestions of why I got called so many times in a short period of time. XXXX suggestion was they only work until XXXX on the last day of the month and the other was that my account will be transfered to a new department and will have a personal account manager starting tomorrow. I thanked XXXX for the information. I was not aware they could call up to 8 times a day and if I was receiving more than 8 calls then many more XXXX probably receiving more than 8 also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason " that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.

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