vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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:
This is the THIRD time I have tried to fix this issue with Transunion, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted. 

This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 3 MONTHS. 
I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
The lending bank XXXX XXXX has broken the Military Lending act by charging myself XXXX XXXX XXXX an interest rate that is not in line with the MLA. An Interest rate of 24.9 % is not only predatory but unwarranted. the interest rate plus monthly and annual fees make it impossible to truly pay on the actual debt of the car. This is illegal and systematically predatory. I have spoken to XXXX XXXX over 10 times the fees and interest keep compounding and the balance is now higher than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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:
TransUnion File Number XXXX XX/XX/XXXX XXXX THE XXXX XXXX IS STILL ON MY CREDIT FILE XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-09 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. 
Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CT

Complaint narrative:
Bank of America representatives insisted that our family use the Cash Reward Card ( rather than the Travel Rewards Card ) because it offered the consumer the best rewards points value. That repeated recommendation from Bank of America management was wrong and over the past 5-7 years cost our family approximately {$1500.00} in cash rewards.

Approximately 10 years ago my wife and I deposited money with Bank of America for the first time. We were planning to travel to visit our daughter doing a semester abroard and were encouraged to transfer all our credit card activity to Bank of Americas Travel Reward Card. Over the past 10 years we estimate that we have had transactions on BoA credit cards ( Travel and Cash Rewards ) totaling approximating {$500000.00}.

Several years later another BoA associate ( whose name I have in file ) made the specific recommendation for us to switch our activity to the ( then new

) Cash Card since our travel had ceased and it was supposedly a better deal. The logic had to do with us being preferred members and therefore able to take advantage of the tiered pricing benefits the Cash Card had to offer. We stayed true to that recommendation ( for approximately 5 years ) until approximately 4 months ago when we happened to meet with yet another informed BoA customer representative who admitted her colleagues gave us bad advice. Even on this day, when one representative told us her colleague had given us bad advice, another colleague in the next cu bicle ( again ) wrongly suggested that the Cash Card was still the best place for our family despite my growing concern that we may
be leaving reward points unrealized. It was as if the line was pre-programmed.

When we finally had our spending habits reviewed it became clear that the Travel Reward Card had been the better deal all along ( e.g. past 5-7 years ). With the facts and data this young lady provided, along with the suggestion that we should put our complaint in writing, we estimated that our lost opportunity not transacting with the Travel Reward Card cost the XXXX family in excess of {$1500.00}.

I have since reviewed the brochures that are given to consumers for compliance reasons. They are extremely confusing and for the lay person I find it very difficult to run comparative analysis on which credit card is best for my family. If this misleading information has been given us could it also be happening with others?

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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!

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 2018-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion File Number XXXX XX/XX/XXXX REGULAR INQUIRIES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I have never applied for nor took out credit nor fill out any type or credit application in my name.

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 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
I have a medical collection on my credit report that should have been covered by my insurance, I should not have been hit with this debt. I have provided proof that I was covered under medical insurance during the time of this service. I want this account removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
submitted a claim in XX/XX/XXXX for a deposit reimbursement on a moving company that i cancelled service within 24 hours ( below their 72 hour policy ) BOA rejected my claim, in favor of the merchant, i faxed all the backup document in XX/XX/XXXX, with proof of email cancellation within 24 hours, and the company 's cancellation policy. BOA again, rejected my claim in XX/XX/XXXX with out any explanation and any mail sent to me with explanation. Even though i had spoken to 4 different customer service agents who escalated it and acknowledged my fax. I called BOA on XX/XX/XXXX, and they acted like they didn't know about the fax i sent, and the proof of cancellation. The Claim 's department is the worse i have seen in my life. Instead of helping their customers ( i have been a loyal customer for over 15 years ) they don't care. They rather loose the business than have to to real work and their job. Why does BOA pay these people for doing nothing, but the are ok with taking XXXX dollars from their customers, unfairly.! Also, they already took my money from my account on XX/XX/2018 XXXX Temporary Credit Reversal. but i got a new message stating that a result, the credit for {$860.00} that was previously applied to your account will be removed on XX/XX/XXXX.  Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed. THEY WANT TO TAKE IT OUT OF MY ACCOUNT Twice!! Please help recover my money, due to this and their other claim mistake, i have been hit with many NSF charges.

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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MS

Complaint narrative:
I got out of work last XXXX and got behind on the payments, I have since gone back to work and I am trying to get the loan caught up but they will not offer me any kind of assistance and have started to call me every 5 or 10 miuntes every day and have now started to harass my husband and family every few milnutes. its either XXXX or XXXX calling demanding a payment right then. I offered to let them know when I could get a payment in but was told I need to do it right now. Im really trying hard but I can do only so much and I do have other bills to pay also and trying to kwwp my house out of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed a credit card issued by XXXX XXXX XXXX on my credit report that I neither applied for or was offered. The card was issued on XX/XX/2018, and shows a credit limit of {$500.00} which seems to have been maxed out immediately. Card currently shows balance of {$500.00} which appears to have no payments made. Called issuer to inform of this apparent fraudulent card in my name as soon as I noticed it. However, account still appears on my credit report and is damaging my credit. XXXX XXXX has not provided any details or proof that shows this account opened by me. Need any help possible to have this account removed.

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 2018-05-09 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: FL

Complaint narrative:
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2017 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I took out a loan with AmeriCash on XX/XX/XXXX. I was making payments every 2wks which I believe I have paid off the actual amount loaned & only owe interest. My last payment was XX/XX/XXXX. I'm having financial difficulties & I do intent to pay but they keep calling and harassing me. I mailed them a certified letter on XX/XX/XXXX which was signed letting them know to seize contact at work or by phone & that I will resolve the issue. They keep calling me at work, home, and a few days ago they even went beyond that & called my brother telling him that I was in bad shape or something which freaked out my brother not knowing if something had happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX  XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? 
Thank you, 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 2018-05-09 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: PA

Complaint narrative:
Capital One Auto Finance has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from Capital One back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

XXXX is at fault for 2 day back to back impact that is not by law considering I was not applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a call from Portfolio recovery on XX/XX/2018. the representative failed to give proper XXXX XXXX and said out loud the last four of my Social security number before verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There were three charges on this Chase MasterCard credit card that were disputed around XX/XX/XXXX or XX/XX/XXXX. Chase acknowledged the dispute. However, they have done nothing to resolve the dispute or credit the charges. In fact, interest has been accumulating on these charges. I've reached out to Chase literally dozens of times in the past 2 years about these disputed items, and I always get a generic response or a response that the dispute is received and they are working on it. Chase obviously is doing nothing to resolve this matter. 

The charges are as follows : {$1400.00} on XX/XX/XXXX {$260.00} on XX/XX/XXXX {$870.00} on XX/XX/XXXX The total amount of the above charges is {$2600.00}. + INTEREST. A lot of interest has accumulated on these charges. 

Documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
About two years ago an American Express Card was opened in my name after I lost my wallet, and my identity was stolen. I only found this out recently, due to the fact I was checking my credit report and it shows closed by credit grantor. Why did I not ever receive this card? The address you have on file per your customer service I have not ever lived at in my life. I would like to request this account to be removed from my credit file. Per your agent American Express has me in their internal reporting as a bad customer for disputes. I never filed a dispute because I never got the card or billing statements. I want this internal reporting removed and the account removed from my credit report as I cant apply for an American Express because of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. 

I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. 

I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.

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 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
The number XXXX keeps calling my work and cell. Threatening to damage my credit. Swearing and trying to extort additional information

Company response to consumer: Closed with non-monetary relief