vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: WI

Complaint narrative:
I am a Bank of America client and I enrolled in the XXXX XXXX Rewards Program in XX/XX/2022 as I met thee qualifying criteria. The main reason I joined was because of the 75 % cash back bonus on purchases with my Bank of America cash rewards credit card. I did several purchasesas during the month of XXXX for which I did receive the cash back bonus. In XX/XX/2022, some days after I made other large purchases for a total of XXXX {$33000.00}, I loged into my online banking system and I noticed that I was being invited to enroll again in the XXXX XXXX Rewards Program. This was very surprising to me because in my mind I was already enrolled in the program and I proceeded to check if my purchases of the past few days had accrued the bonus and they had not. I should have accrued XXXX {$240.00}. I immediately reenrolled in the program because I was going to do other purchases for which I wanted to receive the rewards and I figured this would easily get sorted out later. 

It turns out that for some reason that I am not aware of I got unenrolled and I did not receive any notification whatsoever. Since then, I have been continuously calling Bank of America to file a complaint and get the rewards credited to my account. However, I have been told several times that the process is ongoing, that they are recognizing their mistake and that they will credit them back to me shortly, that they will come with my next statement, etc. But it has been nearly three months and I have not seen then and no one at Bank of America really seems to know what is going on, which is why I am filing this complaint now. 

I am very tired of wasting my time calling Bank of America again and again and getting inconclusive responses and no action whatsoever to address this oroblem and credit my bonus rewards back to me. It seems to me that Bank of America gets you to enroll in this program, motivate you to spend more using the Bank of America credit card to get these rewards, then they remove you from the program without notifying you so that they don't pay the bonus rewards whilst you continue purchasing with their products and not with their competitor 's credit cards which actually pay off the promised rewards. 

I am attaching a screenshot from my online banking portal showing that my purchases in the month of XXXX did not receive the bonus until I reenrolled and that the ones I made in XXXX and XXXX did receive the bonus.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Amounts on my card were charged that werent charged by me. I am trying to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I applied for and was granted credit for Sam 's Club, Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com The complaint is two-fold Synchrony Bank continues to deny access to credit account to manage payments or verify balances. I have chatted online, called, and emailed on countless occasions with =out resolution, I can not log into my account it only allows me to pay as a visitor and shows balance due only. Annual Sam 's Club dues payment in the amount of {$110.00} was taken from my account without authorization, I had another card on file and authorized, specifically removed because I can not access account. 

Recent communication by me : Why can't I access and manage my account and have to sign in as a visitor, tried multiple times to resolve, called, emailed, chatting. I only get Sorry we cant access your account at this time taking my Sam 's Club annual dues payment without authorization is unacceptable! Please cancel my credit account. 

I have had no response to any of my communication attempts : Most recent email reply " Delivery has failed to these recipients or groups : Synchrony for your SAM 'S CLUB MASTERCARD ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later or contact the recipient directly. '' I would like to have Consumer Financial Protection Bureau contact Synchrony Bank and inquire about giving card holders access to their accounts. Furthermore I would like to have Synchrony Bank contact me directly.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX XXXX XXXX Account Number

: XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number : XXXX XXXX XXXX Account Number

: XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently paid off an automobile loan early. TransUnion lowered my credit score XXXX point for my loan being closed. 

I would like to remove TransUnion from ever being involved in my credit reports again.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was transferring a balance from XXXX to Citibank ( the check was draw on Citibank, I am refiling a dispute again because Citibank lied on the reason why the balance transfer check wasn't honor by Citibank. Citibank 's responded to my filing ( XXXX ) was they never received the check. I contacted XXXX on XXXX and I spoke to XXXX in the billing department. She said the check was return because Citibank said the fund was XXXX XXXX and this happened on XX/XX/2022. 

Balance Transfer amount : 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are unauthorized businesses on 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 non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I do not owe this debt as the school I attended was based in XXXX and subject to the settlement. I attended XXXX XXXX University which was found through investigation to commit misleading business techniques to defraud borrowers. I am a XXXX XXXX XXXXXXXX clearly stated i wanted to take only loans I can discharge though the XXXX XXXX knowing this purposely gave me a private loan without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-11-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have two complaints against Bank of America, both related to a disputed credit card charge.

First is the Banks denial of my claim. Their letter, advising me of their decision, stated that they can not intervene in situations involving a merchants return, refund or cancellation policy. If they had examined my claim with any care, they would have realized that the claim involved more than just return, refund or cancellation. My claim against XXXX XXXX XXXX also involves duplicate, unspecified and vague invoices, coercive phone calls, gross overpricing, and finally threatened retaliation for initiating a dispute via Bank of America. 
Second, Bank of America has failed to send me the documents sent to them by XXXX XXXX XXXX ( after reassuring me that that I would have the opportunity to rebut XXXX arguments with the documents in hand ). In early XXXX, again on XX/XX/XXXX and then again on XX/XX/XXXX, a Bank of America agent said they were sending me all the XXXX documents. Each representative is sorry that I never received the documents, offering no explanation, but happy to send them again. 
I verified my address with BoAthough I do receive other mail from the Bankand also checked with the Post Office for any possible delivery issues.

I struggle to imagine a plausible scenario for BoAs inaction. Friends have offered possible scenarios that I would have thought impossible a few short months ago : -- BoA is acting out of financial self-interest. They are protecting their percentage of the total {$5600.00} charge. 
-- Some anonymous Bank of America employee actually went to my website and was so outraged by my politics, that they inserted a poison message into my file.

-- Bank of America is saving on postage and labor costs for each dispute that is quickly resolved.

-- Bank of Americas delaying sending the documents in order to run out the ninety-day clock on credit card claims. 
I would appreciate your help in obtaining these documents from Bank of America in time for me to buttress my claim against 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 2022-11-07 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was giving a sum of {$100.00} of debt owe over the phone. When its reported {$560.00} on credit report via XXXX. Please Validate debt? Under the HIPPA Privacy Law. 

Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF CONSUMER LAW AND PUBLIC LAW.

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 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In XXXX of XXXX, my personal loan from XXXX was sold to Citizen bank. A XXXX XXXX XXXX after the transition was completed i was notified via phone by Citizen bank that my account was sold to them and at that time i began paying my payments online. And to this date i have not received official letter from Citizen bank that my account was transferred to them. Since XXXX i have not received ANY statements from Citizen Bank, and i was unable to log in to my account online due to replacing my computer. And my personal calendar was removed, and i was dealing with my XXXX XXXX medical situation. On XX/XX/XXXX, i was notified by the Credit bureau that Citizen bank reported me as being late for XXXX XXXX. At that time i logged in immediately logged into the account and made all necessary payments, i never received any notification from Citizens, stating that they did not receive payment or that my account was over due. XX/XX/XXXX and XX/XX/XXXX i spent over XXXX XXXX on the phone, trying to figure out about my statements being mailed and trying to explain the situation, but i was being transferred from person to person and then finally i spoke to representative by the name of XXXX, who refused to transfer me to a XXXX and placed me on hold for XXXXXXXX XXXX. I am doing business with XXXX banks and never in my life was i treated like this. 

Citizen should treat their customers with respect and kindness and create some connections with customers. Due to my personal situation, and not receiving any communication from Citizen bank about my account it is extremely difficult to get any answers from them. This is just unacceptable to receive such poor customer service. For XXXX XXXX i have not had any late payments with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We purchased our current home in 2015 for {$170000.00}. We currently owe {$130000.00}. That's an XXXX of XXXX XXXX from the original purchase price. According to the cfpb website the servicer is required to drop the PMI at XXXX XXXX original XXXX. I called my servicer and asked why they hadn't dropped my PMI. They told me they weren't required to. I told them according to cfpb they were required to. The person asked his manager and they confirmed that they don't need to drop it at XXXX XXXX of the original XXXX. They also told me I needed to submit a signed request to drop the PMI. They would then review it and decide what came next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MD

Complaint narrative:
I received my reinvestigation back from Experian, XXXX and XXXX regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX  comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2022-11-07 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: IL

Complaint narrative:
So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan XXXX cards that don't belong to me at all they are a result to identity theft.

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 2022-11-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

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 2022-11-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

Company response to consumer: Closed with explanation