vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: NY

Complaint narrative:
On Thursday XX/XX/19 I called Bank of America 's customer service line and asked to speak to a Supervisor in the Disputes department after weeks of calls and faxes with supporting dispute documents. The appeal process had been handled very poorly with multiple reps telling me over the phone that based on the information they received the dispute would rule in my favor only to receive rejection letters. On XX/XX/19 I spoke with a Supervisor in Disputes and told her I would like to cancel my card because I didn't like how they had handled the dispute process. She replied OK, it's closed. I asked her to explain as I was not yet prepared at that time to actually close the account and that I would like to talk to her Supervisor as I had not been told if we were on a recorded line and the proper disclosures were not read to me. I still have no idea what to do about any outstanding charges. She was extremely rude and unprofessional. I asked her again to forward me to her Supervisor and she instead forwarded me to the general customer service line. I filed a complaint then with Customer Service who said they would put in a request to have my card reopened and call me back later that evening. No one called. I called again on XX/XX/19 and XX/XX/19. No one has taken nor returned my call and the card remains closed with outstanding transactions now being declined.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through XXXX XXXX XXXX. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead XXXX XXXX XXXX pulled a hard inquiry and I was informed that they pulled my Trans Union credit report. I did not receive confirmation of the denial. I contacted XXXX XXXX XXXX about the reasons of their decision, based on the information supplied by Trans Union, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. Even after review/consideration XXXX XXXX XXXX refused to grant or extend credit. Even after I expressed that the information supplied by Trans Union was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. The application procedure did not inform me of my rights under the equal credit opportunity law, nor did XXXX XXXX XXXX informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. The inquiry conducted by XXXX XXXX XXXX was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of XXXX XXXX. The inquiry was a mistake and I am requesting Trans Union to delete the inquiry on XX/XX/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 2019-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC
State: DE

Complaint narrative:
The mobiloans website will not allow you to make additional payments. Its set up fraudulently to make it appear as if you can but is actually an endless loop of not being able to choose a date for your intended payment even choosing right now is not an option. I have screen shots of this payment processing inability for several attempts for weeks leading up to my due date of XX/XX/2019 in order to save from additional fees my intention was to apply a larger pymt so that my loan balance would reach a lower tier so i could possibly catch up and pay off this loan without the almost 500 % interest rate. For weeks when i attempt to access the website via my cell or computer the website conveniently has maintenance so you can not schedule or make payments or their is system issues or even when u call their ivr system doesn't prompt or ask if you want to make a pymt only prompts are directed and clear when it comes to extending this line of credit that will surely be your livelihoods demise as it will take your everything you have left unguarded. When i called i was given vague answers that did not allow me to full fill my intention of paying off this absurd loan. This type of predatory lending i thought my government was protecting me from is still alive and well and profiting off the backs of us lower income hourly tax paying workers. Shame on this company and shame on the government that allows it to operate freely.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I entered into a promotional balance transfer transaction with my Capital One Credit Card in XX/XX/XXXX where I paid a 2-3 % fee up front and then received 0 % interest on this balance for 18 months. I was going to wait until my credit card statement indicated that my promotional period was coming to an end and therefore I need to pay the balance or be charged interest, but this disclosure never appeared on my statement. Instead I just received a statement with the interest charge once that promotional period ended. My XX/XX/XXXX statement didn't have any indication that my promotional period was ending, including in the section titled " account notifications '', which contained the following statement : " Welcome to your account notifications. Check back here each month for important updated about your account ''. This section should have disclosed the fact that my promotion was ending and if I didn't pay the balance on my statement I would be charged interest ( because that's an important update about my account ). My XX/XX/XXXX statement also didn't disclose anything, but now had a {$110.00} interest charge. Because there is a lag between when you initiate the transaction and the balance actually transfers, I was never aware from the beginning when the promotional period exactly ended ( again I was going to rely on the credit card statement ). 

When I called Capital One to complain and ask that they reverse the interest charge and I'll pay the balance off immediately, they refused and said its not their policy to put this information on the statements ( even though all my other banking relationships do this and this is the very practice the CFPB was created to eliminate ) and that its on the consumer to know when the period ends. They also referenced a confirmation statement that is mailed to consumers when the balance transfer is completed which has the exact period end date, but I never received this. Its not available on my online account documents either. 

This is predatory and Capital One knows that people aren't going to be aware of when this promotional period ends and therefore get hit with at least one interest payment assuming they were planning on paying down the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On last year got scammed on unauthorized transaction and Bank of America didnt do the action to refund my money. Any help that can help me for that fraud or unauthorized charge?

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 2019-05-10 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had made a purchase for an antivirus program online. It was not what I needed or expected so I asked for a refund and it was not given. I then filed a dispute through papal. The antivirus company emailed me stating that if I cancel the dispute they would refund the monies. I did as instructed and I am still being given the runaround by this company and they have not refunded the monies. I contacted Paypal explaining and they stated too sad, too bad attitude. They stated because I cancel the dispute I am out of the money. This third world antivirus company should not be able to mislead the consumer in believing they will receive a credit and they do not follow through. Apparently, they are well aware of paypals policy and that is why they told me to cancel the dispute.

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 2019-05-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently mailed letters, as per my rights as the Fair Credit Reporting Act allows, to the three credit bureaus demanding proof of this alleged charged-off account, furnished by Capital One or remove the account from my files with them. The bureaus reported back within several weeks that they were regarding this account as valid, but I have not received any proof as to the validity of the account. Specifically, XXXX  has it listed in their latest report to me that investigation complete-reported by data furnished. Capital One reports the account in such a manner yet demonstrated that the investigation, was in fact not complete in the sense of their subsequent mailing to me directly. On XX/XX/XXXX, I received a letter from Capital One requesting that I provide them with information regarding the nature of my dispute. My demand was straightforward, proof the validity of this account, the basis that it is being furnished to the credit bureaus and verify it by the manner that a holder of the right to furnish that information should, signed valid contract, chain of assignments of any holders of the alleged account and a sum certain accounting of the amount of the account, including all fees and interest. They appear to be either unable or unwilling to provide this information and if they can not prove this account, what right does Capital One have to put this information on my credit report in the first place? 

Apparently they have told the three credit bureaus that the account was valid as listed yet write me asking for information pertaining to the account, showing no proof as to the positive existence of this account yet requesting information of me regarding how the account is showing on my credit reports. They should know this since they are furnishing the information and if they can not confirm that information they are placing there is correct then they should remove that information. I am familiar with the Unfair, Deceptive, Abusive Acts or Practices part of the Dodd-Frank Bill. This should certainly apply in how this company is conducting its business here. If they can not prove the validity, of this account, if it is unverifiable, they should delete it. They are violating the law otherwise. Also, along the lines of the XXXX, the account is listed as being charged-off back in XXXX, yet in XXXX they added another {$160.00} on what strongly appears to be another violation. And they list a credit limit of {$8600.00} to an account that is allegedly closed and have it listed on a couple of my credit reports at 73 % usage. I would imagine if the account was actually closed and subsequently charged-off the term usage in this matter would fall under being a deceptive act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MiraMed Revenue Group LLC
State: NY

Complaint narrative:
There is 2 amounts on my credit report and both amounts should not be there. 
{$500.00} & {$640.00} for dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have had full insurance medical benefit - I do not know why this is on my credit report. 
I called the company to try to dispute it and they were not helpful at all. 
I have my paperwork of the claimed being paid by my insurance company. 
When i call the company contact on my report they wont help me. 
I want both charges off my credit report immediately. 

Company contact info is : Miramed Revenue Group XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I received a letter of collection and law suit threats for the amount of {$240.00} on XX/XX/2019 from a parking ticket that was issued in XXXX 16 years later this letter comes in the mail and threatens to sue me. I have tried calling them every day and can not get through to a live person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted XXXX  for guidance and requested Synchrony Bank to submit a deletion of credit inquiry directly to XXXX. I have been informed, by XXXX, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by Synchrony Bank. 

On XX/XX/2019, I contacted XXXX for a status update as it is only a few days away from the 60 day timeframe. XXXX  informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from Synchrony bank. I informed the representative that Synchrony bank does not provide the customer a copy of the letter and that it is electronically sent to XXXX. XXXX  persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to Synchrony Bank. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether XXXX  is able and should receive electronic letters of deletion of credit or if Synchrony bank must provide the customer a copy of the letter of deletion of credit. In addition, Synchrony bank automatically opens a line of credit with simply a drivers license without validating the correct social security number.

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 2019-05-10 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: GA

Complaint narrative:
XXXX Credit reporting and Transunion want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I started using XXXX  XXXX XXXX to help in the repair of my credit in XX/XX/2017 at the cost of {$110.00} per month due on the XXXX of each month. Since then they have sent out letters to creditors and credit reporting companies and even had several items removed from my credit report, however my credit score has not reached what I have wanted it to in the time I have wanted it to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
The information that is being reported on my student loan is accurate and I am not able to make payments or set up payment arrangement because my birthday is listed wrong. I have been denied a mortgage loan because of this delinquent showing. I have faxed and scanned copies of my social security card and drivers license because they said that was the only way to change it, but no change has taken place. I can not even set up an online account to make payments because it gets kicked back every time I get to the personal information part to enter my birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated
State: OH

Complaint narrative:
I have been getting calls now every day for about a week around XXXX to XXXX. They keep telling me there is nothing associated with my number, but keep calling.

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 2019-05-10 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CO

Complaint narrative:
I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Direct
State: TX

Complaint narrative:
My name is XXXX XXXX and I received a call yesterday from XXXX XXXX in which she introduced herself as a student Loan Advisor. I was under the impression that she was with my Federal student loans. XXXX spoke very fast and I had had a bad day already and really was not focused as to all the red flags that she was saying within a short timebut by then XXXX had already completed a contract. Yes, I should have been more focused but at the same time I was telling her that I could not afford the five up front payments that she was saying I needed to make. But let me reinerate that I thought at the time we were speaking with XXXX XXXX XXXX. At this time I am on forbearance with my loans because my husband was without a job for over 2 and an half years and we lost everything but our house.

I did e-sign the documents but it was not until she was completing this information that a true red flag hit me, sort of speak. She said that they were not associated with the Department of Education. That statement hit me with a ton of bricks. 
The contract states that I am to pay five months of XXXX per month and no payments after that until I was approved for part of my loan being forgiven. 
I am retired and on XXXX and people like this prey on the vunerable and you would think at XXXX that I would of clicked at the beginning but she was no nonsense and kind of pushed me through. 
I can not afford these kind of payments and Student Loan Direct should be ashamed of themselves for this kind of practice.This is a shame that there is this type of practice out there for people out there that have hit hard times and have vulchers like these companies. I did not want this in the first place and just feel that I was basically sucked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: GA

Complaint narrative:
Experian Credit reporting and XXXX want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.

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