vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had a credit card with Bank of America. The card had an {$11000.00} limit with {$0.00} balance. Incidentally, my credit score is ( was ) XXXX, which is considered excellent. The credit usage of all of my credit cards was approximately 38 % at the time of this incident. In XX/XX/2019, Bank of America sent me an offer to transfer other credit card balances to their card with 0 % interest for 14 months. At the time I had about {$8800.00} on special financing on a XXXX XXXX card which was expiring. So I accepted BoA 's offer and transferred the {$8800.00} which was on the XXXX XXXX card to the BoA card. In essence, BoA was offering me an interest free loan for 14 months at 0 % interest. I would have been a fool not to have accepted what amounted to free money from them. The net effect was that I still had the same overall amount on a credit card. However, on XX/XX/2019, without warning, BoA closed this credit card. The immediate effect was that I lost {$11000.00} of available credit, therefore my credit utilization shot up to nearly 50 % and my credit score plummeted. I was in the process of refinancing 5 rental  properties. The refinancing would have saved me several hundred dollars per month for 30 years, or probably hundreds of thousands of dollars over the lives of the mortgages. All refi 's were placed on hold because of this move by BoA. I immediately called BoA for an explanation and a way to fix the issue. To be clear, I had cash on hand to pay the {$8800.00} in full, but was only taking advantage of the offer BoA sent me. Over the next week I called BoA 9 times and was on the phone for over 10 hours. They confirmed that my credit score was XXXX but would not tell me why my account was closed. I begged them to reopen the account and told them I would pay the amount in full. They said no. The only info I received from them was that they closed the account because " an account with us and/or our affiliates has been revoked. '' TO BE CLEAR, THE ONLY ACCOUNT THAT WAS REVOKED WAS THIS ACCOUNT. There were no other late payments on any credit report nor were there any other closed or revoked accounts or negative reporting OF ANY KIND. In short, BoA made an offer, I accepted, then they closed my account because I accepted their offer, then they crashed my credit score and cost me hundreds of thousands of dollars. THIS AMOUNTS TO DECEPTIVE LENDING ON THE PART OF BANK OF AMERICA.

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 2019-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Client is being harassed by Sallie Mae for her daughters account. She is paying her own loan and its current, but they constantly harass her even after shes asked not to be called at that number and that she doesn't know anything about her daughter they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bryant, Hodge & Associates LLC
State: MI

Complaint narrative:
Contacted my employer on the phone and stated that he was going to contact / call everyone at my employer until i paid the debt. Additionally, they called all my relatives harassing them about my debt, while they had all my contact information. I emailed them and verbally told them to only contact me through the mail and they ignored that and actually increased the harassment.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21 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: TX

Complaint narrative:
These inquiries are not mines. Not sure who is using my SSN to apply for things. I know my credit is not good enough to apply for anything. 

Inquiry details XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive 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 XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX XXXX   Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXXXXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/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 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was under an agreement with a merchant to purchase tickets to an event. I submitted payment via PayPal under " Personal Payment '' on accident, it was supposed to be sent as " goods or services '' The merchant 's contact information all of a sudden became " undeliverable '' or " unavailable '' when I attempted to contact them in order to reverse the payment so I could correct the transaction. 
I contacted PayPal, they stated they are unable to reverse the transaction and directed me to file a dispute with my bank via https : //www.ic3.gov/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
The collection was opened by DEBT RECOVERY SOLUTIONS  on XX/XX/XXXX showing a debt of XXXX$. Giving a super high impact to the credit score. I did have a medical bill for XXXX$ back in XX/XX/XXXX that I was trying to pay off, but I never had ANY medical situations for the past several years, so this collection account is totally wrong and impacts my credit score with a wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dispute is two fold : 1. Problem with being overly charged by a Rental Car Company in XXXX. Original agreement was for car rental at {$230.00}. Rental Car Company submitted a bill for {$2100.00}. So from {$230.00} to {$2100.00}. 
2. Insurance provision of our agreement with CapitalOne is that if we use their card for travel expenses, car rental, etc., they insure the vehicle. The estimate provided by the rental company, that I initialled at the counter was {$1500.00}, however it was a plastic snap on bumper. It is not possible that that bumper cost {$1500.00}. The vehicle was returned not because of the bumper, but because it had mechanical issues ( stopped on the highway without warning, entire dash lit up and the car would not go ). It was a danger to me and my passengers. I was forced to return it to the car rental place and obtain another. I had been at a wedding in XXXX and really had not used the car that much, but once we started off to tour the country, we had all sorts of mechanical problems. It was unsafe. The Rental Car company added charges not authorized including a vehicle upgrade, transfer of fuel charges, and other misc items which were not approved by me and not proper. I disputed the charge with CapitalOne and the rental car company immediately -- it was removed as a disputed amount pending a response from the rental car company. However, without contacting me and without a response from the rental car company, CapitalOne reinstated the full charge of {$2100.00} on my account. I contacted Customer Service again who advised they me they had not heard from me so they reinstated the charge on my account. However, that was not true. Once it was cleared up that my response was submitted, but the car rental place had not responded, I was assured CapitalOne would remove the charge and reinstate it as a disputed amount. I was also assured I would not be charged additional interest on this, nor would their be a negative report on my credit. I have excellent credit. A week or so later, CapitalOne still had not removed the {$2100.00}. I called again and spoke with another representative, XXXX, employee no. XXXX who was extremely aggressive and very rude and basically declined to do anything for me. XXXX suggested that I pay the bill in full and just wait to see if we heard from the rental car company and for the insurance claim provision of the charge to be paid. This was a complete about face and not proper. To date, none of that has happened and the disputed amount is still on my account. No response from either the rental car company, nor CapitalOne 's insurance division regarding paying for the damage under the insurance provisions of my agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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:
looking to purchase a home and upon reviewing my credit report, I became aware of inaccurate or fraudulent information. I have asked each credit bureau to verify and remove all inquiries and negative reporting items on my report as they do not belong to me.

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is in reference to a Citi Bank Sears Credit Card. Company refuses to delete my online AND personal account information. Have received multiple explanations from Citi CSR Supervisors regarding why this cant be completed : ( Company Policy, Patriot Act, Credit Reporting Bureaus, Information Sharing ). 

Citi Bank has failed to disclose any written restrictions or limits to deleting online accounts and/or personal account information either in their User Agreement or on their website. 

This is a breach of privacy and of personal security to have this data just sitting out there on their servers for an undermined amount of time.

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 2019-11-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
XXXX XXXX I informed representative that I was unable to pay the debt at the time due to severe medical issues and requested that they not contact my cell phone number per federal guidelines XXXX XXXX same as above, reminded them that they are not allowed to contact a cell phone after they were informed it was a cell phone and was told to stop. 

XXXX XXXXreceived yet another call, informed representative again that this was a cell phone, two prior demands were made to cease contact to a cell phone. Rep informed me that it is " not illegal when you owe someone {$1800.00} '' and continued to become verbally abusive. Attempted to call back to speak to a supervisor to address the prior rep 's behavior, was placed on hold for several minutes. Did not get routed to a supervisor. 

All of my calls are recorded per state 's one-party consent law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
XX/XX/2019 - Around XXXX called XXXX XXXX XXXX at XXXX to reestablish online access. Was given a very difficult time and the refused to verify me even after providing my drivers license number. I would have to call my CPA to get the tax ID number for the LLC and they would not verify the last two deposits even though i was holding the paper statement and reading it to them. The supervisor was less than helpful and despite verification of my drivers license still would not move the process forward. 

I am also being charged a maintenance fee when I have been trying to resolve a fraud claim and close this account. 

Statements for XXXX show more fraud debit card transactions but were never provided by the bank.

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 2019-11-21 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 — Their investigation did not fix an error on your report
Company: Credit Plus Inc
State: FL

Complaint narrative:
This company " Credit Plus , Inc '' identifies themselves to be a reseller of credit reports and has a contract with " XXXX XXXX XXXX   XXXX '' At no time in the past have I had or attempted to initiate business with either company. I AM NOT INTERESTED IN BUYING A HOME, I am a full time XXXX and would like to desire my first time home buyer experience with my future husband. I have said this over and over I was recently out I the market trying to buy a car, but to my  surprise an inquiry for a car and home landed on my credit report. I am not sure how and why this happened? What I do know for certain is that this is an act of fraudulent activity. 
Moreover, XXXX XXXX was not able to validate the " Hard '' inquiry on my credit report and decided to suppress the same from all 3 bureaus. ( Please refer to the attached CFPB Final Response from  XXXX ) I expect " Credit Plus Inc. '' to do the same or else I will be seeking legal help and monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: DISCOVER BANK
State: CA

Complaint narrative:
A creditcard from discover was opened in my name sent to a address I never lived at state I don't live at or have opened online. I have communicate with them and did a fraud process and they told me the reason my claim was denied is because a airline ticket was bought. I asked was it in my name and do they have proof I boarded the plane, no was the answer. Then the account was closed due to return checks and non payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a Discover cash-back credit card since XXXX with no unusual events. On XX/XX/XXXX, I received an email to join a 5 % cash back promotion ( attached a copy ), and I successfully activated the promotion. 
Suspiciously, a few weeks later, I received a new card in the mail, with the same card number, but different benefits ( travel, miles card ). The note says nothing about why Discover changed my card arbitrarily and without contacting me, let alone getting my  permission. 
On XX/XX/XXXXat XXXX EST I called Discover customer service, and after speaking to a supervisor I was told that the issue would be fixed immediately. I was instructed to keep using my cash-back old card, discarding the new miles card without activating it. 
I followed the instructions explicitly. 
On XX/XX/XXXX I logged in to my Discover home page, and was stunned to find out that the card on the account is actually the new, never-activated, miles card. The card number is the same as my current cash-back card. 
There is nothing about the 5 % cash special promotion cash back as well. 
I then called the customer service ( on XX/XX/XXXX, XXXX EST ) and was told that the supervisor from the prior call was wrong, and that Discover can't revert the card change, nor providing me the 5 % cash back that was promised. I asked to be transferred to a supervisor, and the call disconnected. I have never received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-11-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Auto loan on my credit report was reported as unpaid even after 1 year of having posession of it ..Company sold it after repo ... they sent documents of XXXX   balance and then soon after their collection/loan department resend another document saying their was a balance and proceeding to report amounts owed as though they didnt already have the car and that I incurred a debt during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
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/2019 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 statement did not get to me.

Company response to consumer: Closed with explanation