vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I would like to request that the CFPB contacts Bank of America regarding their electronic notifications ( emails ) when credit card payments are due. 

The issue is that the subject line for when a credit card payment is due reads, " Your Statement is Available in Mobile and Online Banking. '' This subject line does not make it clear that an actual monthly payment is due. 
To Bank of America 's defense, the body of the email does go into detail about the minimum payment due and the due date, but here 's the problem with that : Bank of America sends an extreme amount of marketing emails to their consumers that we are subconsciously conditioned to delete several emails bombarding our email inbox. We sometimes receive multiple Bank of America marketing emails per day! 

Being realistic to our modern world of digital marketing, etc. it is very easy and reasonable for a person to delete emails without viewing the body of the email. 

I am requesting that Bank of America standardize their credit card monthly payment emails to have a subject line that states something like, " Your Bank of America monthly payment is due. '' And then we could easily identify that email as an important email and not mindlessly delete it. 

Because of this issue, I have been imposed with 3 ( or maybe more ) payment late fees! 
I am a responsible consumer and I'm never late on with any other bill in my life.. .only Bank of America due to this issue. 
In just the last 3 months, I've paid {$78.00} in late fees due to Bank of America 's unclear payment notifications. 
I contacted Bank of America to request to waive the fees, and they did not comply. 

The problem is that Bank of America will continue to profit off late fees from many consumers and myself simply because their monthly payment notifications have vague " blending in '' email subject lines. 

Thank you for your assistance.

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 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel Financial Corporation, located in California, is currently financing my car loan. A few months back, I was a victim of Identity Theft, due to my doctor 's office computer server was breached, and a lot of client 's information was compromised. That was the reason I was late a month on this loan. 

After that, they instructed to make payments using XXXX XXXX or XXXX XXXX, and I am not longer qualify to make payments using the company website until further notice. I spoke with one of the agents, and he told me this was a temporary situation, and I will be able to make payments online, the same way I was doing before my identity was compromised. 

I was trying to make a payment using the website, and once again, the system is not allowing me to do this. I called Lobel Financial Customer Service, and they told me that I am not longer able to make payments, probably for the rest of the life of the loan. The agent also told me that to make payment using the company website is a privilege and not a right. 

The primary situation is that I live in Texas, and the near office of Lobel is in XXXX, XXXX, or XXXX XXXX, and those offices are two to three hours away from my primary residence. 

I believe that Lobel is incurring an unfair practice and cause me a double penalty by forcing me to pay an extra fee to send the payment electronically. They not even a chance to reconsider or also appeal to any other authority in the loan department. Please advise me on what I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was told when i signed up for their overdraft program that i was allowed one reversal on an overdraft fee. 

When i tried to claim it, they would not let me. 

There where two overdraft fees in the same day one was an error ( on their part ) and the other was a legitimate overdraft fee that i should have been able to reverse based on the one time reversal they told me about when i signed up for the program. 

First someone in wells fargo customer service told me they could do a partial refund of the overdraft fee for {$26.00}. The full fee is {$35.00}. A partial refund is unacceptable to me because they promised me a one time full refund on an overdraft fee. Then I started talking to someone named XXXX in their executive office, he would not refund the full fee either, and he actually offered me less than the XXXX bucks the last person i spoke to offered me ... I think he offered to partially refund me {$17.00}. I let him know my girl friend banks with Wells Fargo and never has this problem, if she has an overdraft fee, they reverse it no problem. The only difference i have a XXXX name. 

According to wiseage.org wells fargo bought in more than XXXX XXXX dollars in overdraft fees in XX/XX/2018. 

Its holiday time and they are taking advantage of their more financially challenged customers ...

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 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
Trying to recast loan through US Bank. Unwilling, unable to help me. Now going on two weeks. Absolute XXXX. Give runaround, give false information, false pricing, ignorant at all levels of company regarding process.

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Payments Check Services, Inc.
State: PA

Complaint narrative:
Telephone scammer trying to get people to give them their account number by impersonating a debt collector. The number is ‭+XXXX XXXX XXXX and they won't stop calling via robo call. 5 times a week usually. The plays a pre-recorded message, claiming to be "Global Payments Check Services".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: MN

Complaint narrative:
This information does not belong on my Transunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CA

Complaint narrative:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( Experian, XXXX and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter onXX/XX/2019 which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my Experian, XXXX and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been using Care Credit for my XXXX bills for a number of years. The last time was XX/XX/2016 for {$2600.00}. I paid in the six months allowed without interest. I just had a XXXX XXXX in XXXX and the bill was {$2500.00}. The first bill was {$500.00} and Care Credit took it no problem, but when I went to put the balance of {$1900.00} on the card, it was refused. They had lowered my credit to {$1000.00}, not the original {$3000.00} they had given me. When I called and asked why, they said that I should have been sent a letter. I wasn't. They could not determine a reason. My last bill had been paid timely and my credit score is over 800. Then I reasoned, my age. The person I spoke to never acknowledged a reason. I will be XXXX next month. I put this charge on my regular credit card and sent a check for the {$1900.00} getting {$20.00} in reward points.

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 2019-12-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I froze my credit report however Experian, made it extremely difficult to freeze. I took several phone calls. The prompts are misleading. I created a login account however there is not an option to freeze the report. ( The other two agencies were easier to freeze the reports ).

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 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is in reference to complaint : XXXX I was contacted by XXXX from an individual that identified as from 'office of the president '. Inappropriate and insufficient statements were said that were recorded. They indicated they are marking this concern as resolved despite not addressing any of the complaints discussed in previous complaint. 

1. In correspondence on XX/XX/XXXX to customer support I specifically want them to respond to the fact that their employee provided false information to undersigned about the companies ability to correct credit reporting. This was not addressed and seems to have been selectively avoided. 

2. Further, the credit account was closed inappropriately. In my contact from individual today, they asserted that in the phone conversation that she alleges listening to said that I specifically requested the account be closed. This is false to facts, as I informed her and she only replied that the transcript of conversation would not be included in report to CFPB and that it would have to be subpoena 'd to be objectively examined. This is line with the possibility that this bank is attempting to conceal incriminating information as to their malfeasance and discriminatory behavior towards myself. 
: Further I suspect there is a protocol and dialogue which requires express agreement before account closure which was not completed. This can be shown if transcript is acquired. 

3. In phone conversation today the individual identified from XXXX did not propose any ACTUAL DATA to disprove my claim that I did not receive email notification of account balance. 

4. Also the fact that my specific correspondance sent to the 'office of the president ' that had been returned AFTER being opened - yet being contacted by office of the president : there is no account as to why it was seemingly subjectively refused and returned to sender AFTER they viewed the contents. This also seems to be an unethical/illegal act. 


XXXX 's handling of this incident is very concerning and I will be contacting local media to convey this anecdotal experience to raise awareness to other consumers as to the unacceptable business practices of barlcays.

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 2019-12-13 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: MD

Complaint narrative:
Hi, I reached out to TransUnion concerning inquiries that were on my credit report they transferred me to a couple of departments and were unable to assist me. The following is the list of inquiries : XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX - XX/XX/2019 2019

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This letter shall sever as my formal and last notice of my intention to file suit against your organization in small claims court on due to your blatant disregard of the law, by reporting inaccurate information on my credit file. In 2017 " XXXX '' one of the 3 major Credit reporting agenices leaked the data of XXXX XXXX Americans, including myself. As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnshed and my overall credit score destroyed.The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security, as well as my Drivers Licenses number ) .This negligent on " XXXX XXXX part, will leave my personal information permanently available for access at any time. I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress, knowing that my peronal information is in the hands of " The XXXX XXXX Hacker ''. Your company is in direct violation of the Fair Credit Reporting Act, due to the " XXXX XXXX Security Breach ''. I am demanding the incorrect information reported as aresult of this breach be removed upon receiving this letter.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This isn't my account

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am in the final stages of a mortgage refinance application with XXXX XXXX. There remains one outstanding document that details terms and conditions with my Personal Line of Credit with Wells Fargo. Multiple attempts to obtain this document have not been successful. The first attempt was made on XX/XX/2019. I was told that it would take up to 10 business days before I would receive the document. It never arrived. i re-submitted the request on XX/XX/2019 and again was told it would take 10 business days before I could expect delivery. Again, it failed to arrive. I reached out to the local branch in XXXX XXXX for assistance. A banker there tried to intercede on my behalf and called the credit line group at Wells Fargo. She inquired if they could send the document to her directly. This request was denied. I offered to pay for overnight delivery. This was also denied. I asked if the document could be downloaded to the secure message center on my Wells Fargo dashboard. Again denied. I then called the Mortgage / Equity Loan department who said that because this was a personal line of credit rather than a home equity loan, they could not help me. Next I called Wells Fargo Checking and Banking center who opened up a case with their case management team ( Case XXXX ) but was told it would be at least 3 weeks before they could address my issue. Wells Fargo 's reliance on " snail mail '' for transmission of documents is both poor customer service as well as a security risk. Sending financially sensitive documents via regular post office delivery is not secure and exposes customers to privacy and data breach risks

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 2019-12-13 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: CA

Complaint narrative:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, XXXX and Transunion ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX   XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, Transunion and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

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 2019-12-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, Equifax and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted TD XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, XXXX and Equifax file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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 never applied for this companies, never received benefits. 
I didn't sign any contracts or agreements with this companies.

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