vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I have been having an ongoing issue with XXXX XXXX. I called to renew my account and that started an chain reaction of mistakes, that led to me finding another service provider. 

XXXX customer service made several mistakes that led to them turning on electricity at the wrong address ( during renewal ) same street number but wrong street. When I called several time to correct this they had really nasty attitudes and basically kept saying nothing could be done. I had tried to switch then but, when I checked my account it gave me an incorrect renewal date, so I switched back. 

When it was time to renew I stayed with XXXX. I signed up for 8.5, it was changed to 8.9, then 10. They said it was an error then they said even though my account said 10, I was being charged the correct amount of 8.9. My bill still did not look as it should for 8.9KPH. 

I questioned if but was basically told there was nothing I could do. I finally switched providers with the help of XXXX. Nothing was done at that time about their behavior. 

My account is closed and paid, but as soon as I made the first payment a few days later they filed a lawsuit trying to sue me. I think this was unfair since they knew I had made a payment to clear the account and this along with all the other things seems as if they have no respect for their customers long term or not. XXXX  Complaint Case # XXXX ( Ref # XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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 have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}

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 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have 6 XXXX  backed credit cards ; XXXX acct ending XXXX, XXXX 's acct ending XXXX, XXXX acct ending XXXX, XXXX  XXXX XXXX   acct ending XXXX, XXXX XXXX acct ending XXXX and XXXX acct ending XXXX. I've had all 6 XXXX  backed credit cards for several years with an excellent payment history but, 5 out of 6 of my XXXX  backed credit cards credit limits were lowered/ and decreased without notice. I didn't have any past due payments on any of my credit cards with XXXX  and my credit file with XXXX, XXXX and XXXX  hasn't changed. I don't have negative payment history with any of my other credit obligations. I don't know why my credit limits were decreased. I have also been unable to obtain a credit limit increase with my XXXX backed credit cards while prior to the decrease I was always able to get an increase. The credit limit decreases from my XXXX backed credit cards has ruined my positive payment and overall credit history while my other credit obligations continue to reward and increase my credit limits. My credit took a big hit negatively after the lowered limits were reported. I would like more information regarding the reason for the decrease because I've never received notification of the decreases. I would also like a reconsideration of possibly restoring my credit limits on all my XXXX backed credit cards based on my excellent payment history and loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a {$20000.00} cashiers check into my Bank of America Business Checking Account. 

I was told by customer service over the phone the funds would not be available until Wednesday XX/XX/XXXX, due to the XXXX holiday. 

When I made the deposit a hold was placed until XX/XX/2019. I immediately called back and was told that date was selected because I deposited via an ATM but the check would be verified on Monday and Released on Wednesday. 

I called on Monday to verify this information and was told the cashiers check could not be authenticated and the hold would remain until the cashiers check could be verified. 

I called again on Wednesday when the funds not the release date were updated and was told that the hold would not be lifted at all but transactions will be honored after the XXXX. I called chase ( the issuing bank ) and was On Thursday my regularly scheduled payments were returned NSF and fees were assessed. I called XXXX to verify process of the cashiers check and was told that it was paid on Monday, XX/XX/XXXX. 

When I called BOA they told me the funds are not verifiable and the Cashiers Check indicates items might be returned. XXXX has verified the check and paid it. 

Which I explained. The call was then upgraded to Supervisor by the same os XXXX who stayed that the funds will not be released before XX/XX/2019 based on the fact that My Account was overdrafted and they were not going to get a verification they were going to wait for the actual funds to arrive. She also stated it can take 7-10 business days for the Federal Reserve to release funds Ive {$10000.00} so the release date might get pushed out again. 

To punish a business for being overdrafted ( especially when overdraft is less than {$500.00} ) and withhold funds seems excessive and illegal.

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 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$150.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Lending Club Corp
State: NC

Complaint narrative:
Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX, I went into the bank branch ( Bank of America, XXXX XXXX, XXXX, SC ) to cancel a recurring transfer transaction of {$3000.00}, when I realized that I couldn't figure out how to cancel the transfer on my mobile app. I told the woman there that I wanted to cancel not only the XX/XX/XXXX payment individually, but also the recurring transfer totally. I was assured it was cancelled. The XX/XX/XXXX transfer DID cancel. 

However, in XX/XX/XXXX I received an email that my recurring transfer was about to initiate. I went immediately in to the XXXX XXXX Bank of America branch, XXXX, SC. I wanted to both order a replacement ATM card and cancel the transfer. The " system was down '' so I got the replacement card ordered, but was told to call the customer service line to get the transfer cancelled. So I left the branch and called the customer service line and was told that though the transfer had begun to initiate, the money had not left my account yet so they would be able to cancel it. I reasserted that I wanted the transfer permanently cancelled. 

You can imagine my surprise when I saw that the transfer DID go through, despite my mobile attempt, in-person attempts ( twice ) and my telephone attempt to cancel it permanently, and their assurance that it WOULD be cancelled. 

This was a large transfer, and was the bank 's fault for not executing my cancellation properly. I was told it would be cancelled. So I called " customer service '' on XX/XX/18 and filed a complaint ( # XXXX, case # XXXX ). Initially I was told that it would take up to 45 days to resolve. When I reminded that them it was not an insignificant amount, it was XXXX, and IT WAS THEIR FAULT, they promised to resolve it within 5-10 days. 

It is now XX/XX/18 and when I called " customer service '' today ( XXXX XXXX, to XXXX ), I was told it was pending and could take up to 45 days. I reminded them it was a {$3000.00} transaction, not a {$15.00} one. This timeline is unacceptable, and when I was told this was just the procedure, I said I would take it up with the CFPB.

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 2018-12-27 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as ofXX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I received a {$100.00} gift card from XXXX XXXX XXXX, XXXX Florida as a thank you for visiting and learning about their time share plans. I was told to activate the gift card which is from US Bank and the funds would be available immediately. I called and actived the card around XXXX XXXX that same day. I was told there was a XXXX  balance because there was a {$100.00} transaction at XXXX XXXX   on this gift card ( before I even received and activated the card ). Went to the XXXX XXXX XXXX office and they called US Bank and was told that US Bank was updating their system and give it 2-3 hours. I gave them over 12 hours and called US Bank back at XXXX XXXX  on XX/XX/2018 and was told there is no funds available. They show the {$100.00} added to the card and now no transactions. Now US Bank is saying we have to wait 3-5 business days to get this resolved. Per US Bank I am not the only one calling and complaining.

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 2018-12-27 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request. 


XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation
State: NV

Complaint narrative:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$58.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bottom line, i was told by XXXX XXXX that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX  XXXX-Inquiry from XX/XX/2018 Experian XXXX XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018

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 2018-12-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen 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 2018-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX my Transunion FICO score was XXXX ( XXXX   XXXX ) On XX/XX/XXXX my Transunion FICO score was XXXX. A drop of 33 points in one week. 
My score had been increasing steadily for the past 6-12 months.

Each of the six factors used to calculate the score either remained the same or improved.

There are ( 0 ) derogatory remarks, and my payment history is 100 %. Credit card use declined. 

Despite several calls, Transunion is either unable or unwilling to explain the huge drop. Their dispute process only allows for individual line item questions. I feel that there must be some internal data snafu, or calculation error. 

Help!

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 2018-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial agreed multiple times to remove a late payment from being reported to the credit bureaus after the loan was paid in full and completely closed. The dealership did not report the numerous problems with the vehicle before purchasing and a I was stuck with multiple thousand dollar repairs. They have agreed multiple times to delete the late 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 2018-12-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen 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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax 's automated systems to request a credit report do not work. I failed both the web site and automated phone system in XXXX and XXXX because they say I am incorrectly answering the questions used to verify my identify. For example : they ask how much my car payment is when I do not have a car loan. I was concerned, at first, that someone had stolen my identity and used it to take out a car loan. I eventually found a phone number to call where I could speak to a human for 1/2 and hour until they were able to verify my identity and send me the report by mail. The person I spoke to said there is no way for him or me to contact technical support to find out why this keeps happening, and that I will have to do the verification by phone each year to get my report. 

I have a very uncomplicated credit history and am able to pass the identity verification on the other to credit reporting companies in seconds. 

If this happens to you, the Equifax customer service number to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Constantly receiving harrassing phone calls and they are harrassing a relative of mine as well.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for Experian credit report in XX/XX/XXXX and paid the XXXX $ trial fee. I then on XX/XX/XXXX canceled my account. However, though it shows account is closed on the Experian dashboard and I have an email showing this, I was charged XX/XX/XXXX for another monthly fee of XXXX $ Due to this I was also overdrafted from my bank and charged a XXXX $ overdraft fee. 

I have tried to call all of their numbers and can not connect to anyone to dispute this or ensure the account is closed. I would like to report Experian for Fraud on my account of charging me this monthly fee after having closed the account over a month ago.

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