vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I Payed XXXX to XXXX XXXX using my bank of America visa card.the payment was sent to XXXX via XXXX invoice.currently XXXX XXXX is under investigation by the fbi for credit card fraud.this was a group trip with XXXX XXXX XXXX XXXX .owned and operated by Mr. XXXX XXXX.our group booked with XXXX XXXX of XXXX XXXX. This trip was to hedo in XX/XX/XXXX.recently an email was shared by Mr. XXXX letting everyone know this trip was canceled back in XX/XX/XXXX for lack of payment.most of us paid in full.XXXX  does no longer answer text or messages phone number no longer connected.its been posted on social media she has shut her business down.both my bank and XXXX tell me I'm out of luck due to being past the time frame for 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 monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
I have disputed with the company and mailed them several letters ... never received anything back. Now there's a lawsuit against me. How if I didn't get a right to cure? That's against federal debt collection practices!! I've contacted attorney general XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
XX/XX/2018, I called American First Finance about making a payment. I knew I wasn't able to pay my monthly because it's been laid off and was now back to work. I had worked out a plan with them, over the phone ( I recorded every call ) and they promised me a reduction in fees and this program would get my caught up. I authorized only 1 payment out of my account. I concluded the call this immediately I got texts from my bank stating my account was now in overdraft and the overdrafts were increasing! I looked my bank and spoke with them and put in a fraud alert. I had to have all of the charges reversed but American First had stolen over XXXX out of my account and my bank recovered only two of those transactions. I lost over XXXX which was the whole balance owed on the loan and the company refused to give me a receipt, since they had all of the money, or to stop harassing me with collections or even return the money they illegally stole. It's been a year and I get the same run around but now? I'm going about this differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I APPLIED FOR A DEAL WITH CITI AADVANTAGE BUSINESS AND THEY WRONGFULLY DENIED MY CREDIT CARD APPLICATION.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Application ID XXXX This application was taken and they failed to accept any proper forms of ID. In order to ID me they used incorrect data. I answered all my questions correctly and they stated they were incorrect. At that point I offered numerous forms of ID which they would not accept and would not return my calls with a manager. They ended up showing the soft hit on my credit for it regardless but then stated it was not me. I believe they are not properly identifying their customers as they are required to. This was my first time dealing with Comenity Capital Bank but all other institutions properly validate ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
I was involved in a not-at-fault motor vehicle accident on XX/XX/2018. I was transported by ambulance to XXXX Hospital emergency room where I received care. I gave the hospital my in-network insurance at the time which was XXXX under my mom. My insurance paid {$700.00} which the hospital has collected and in my explanation of benefits stated my patient responsibility is {$0.00} because of the following code reason : " Q05 - Patient Not Liable, For XXXX XXXX XXXX XXXX ''. I have repeatedly tried to give XXXX Hospital and the collection agency my EOB and they refuse it and want to full amount of {$10000.00} even though insurance has paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00} was put on my credit by Midland Funding. Then a civil judgement was put in order in Texas against someone with my same maiden name. After contacting Midland and then informing them that it was placed under the wrong person since the social for that account is different they refuse to fix the situation. I provided them with my license and social security card. This is a violation of the fair debt collection policy and they are doing nothing to remove this from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my Equifax and XXXX  credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi XXXX XXXX XXXX card. I paid my balance in full electronically on XX/XX/XXXX from my bank account as usual. The due date for payment was XX/XX/XXXX. 

My card # ends in XXXX. 

Citi levied a late fee on my XXXX statement for a late XXXX payment. I spoke with Citi customer service on or about XX/XX/XXXX about the {$25.00} late fee. The agent said " there is no processing of payments over the weekend. '' I contacted my bank and the representative confirmed that payment was received by Citi on Friday XX/XX/XXXX. I called Citi again and said they received payment in time and should waive the fee. The agent said they would call me back in the next day or two, and should have the balance adjusted. The Citi agent never contacted me. This issue went unresolved. I just received the latest statement. This statement dated XXXX lists previous balance that includes the {$25.00} late fee and an additional late fee of {$27.00}. I called Citi customer service again. The agent XXXX XXXX who said the {$25.00} was waived, ( but the previous balance of {$93.00} adds up to still include it ), and she could do nothing about the new fee, despite having record of my phone call where the agent I spoke with in XXXX promised to get back to me. I asked for a manager, I got XXXX who did not give a last name or ID #. She refused the waive the fees, claimed he first {$25.00} fee was waived, ( yet it is still included in the New Balance. ) I feel and KNOW I am being extorted. They misrepresent and claim they forgave and fee in XXXX ( a statement I never received ), and would not help a long term customer with other accounts.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Have received emails from Synchrony Bank - one as follows : A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox x Synchrony Bank XXXX XXXX XXXX  ( 6 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

The other was a blank email from the same address titled : Action Required on your Application. 

THE PROBLEM IS, I DO NOT HAVE, NOR DO I WANT, AN AMAZON CREDITBUILDER ( or any other account ) from Synchrony Bank. 

I attempted to call their customer service, and, after 30+ minutes of waiting, finally reached " XXXX # XXXX '' who first claimed they were sent in error. I asked her when they were going to issue a retraction, and then was told, " Oh, we're researching who sent them '' and then " Oh, they're phishing emails, ignore them. '' IGNORE THEM????? If they're physhing emails, then when is Synchrony going to admit they've had a data breach????? 

Request your assistance in finding out what's REALLY going on!

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 2019-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Our mortgage was bought from XXXX XXXX to XXXX XXXX in XX/XX/XXXX. Sometime in XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. XXXX also sent notice to the credit bureaus. We spoke with XXXX several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at XXXX and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak English well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. XXXX was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XXXX of XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with XXXX XXXX   several times about PMI insurance. When we bought our house in XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: NY

Complaint narrative:
I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't 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 non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Partners Financial Services Inc
State: IA

Complaint narrative:
Told them to send me something bearing my signature to verifiy it was mines they kept calling me telling me its going on my credit report which it did and they didnt send me anything with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my XXXX and Experian credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my 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 non-monetary relief
Consumer complaint received 2019-11-26 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/19 I visited a massage center called XXXX XXXX XXXX XXXX GA to get health treatment service according to vendor terms and condition. Initial charge was set to {$60.00} for 1hour body massage which I initially agreed with merchant. 
During the service I was presented a bill to sign in a dark room where it was impossible to see. I sign the receipt since we already agreed upon before the service. 
I then was told that the service was over in less than 20 minute and that I should pay extra if I need more massage. 

I lady providing massage had hard time speaking English as I could not really understand much of her statement and she had to perform trip back and forth to management and returned with another bill that I ignored the charge and what it was. 

She then started to perform some unsolicited activities to my body which I did not signed off for. So I found it not appropriate and I decided to leave the premise right away. I ask to speak to management but no one wanted to speak to me. 

I then noticed in my credit card bill from Bank of America that I was charged {$65.00} plus another charge of {$150.00}. not understanding what those charges were I opened a dispute with my credit card company Bank of America and surprisingly Bank Of America poor handled my claim and never wanted to help investigate the charges. I called the merchant who never return my call back. 

I am not seating with claim that Bank of America is not willing to help and wants to me pay for the fee for services that I never received and I was charged more than what I agreed to. 
My last fleeter from bank of America was denying my right to dispute the charge and told me to directly contact the merchant. 
From my logs Bank Of America Never contacted the merchant not established some communication with me to properly handle this matter. it seems to me that Bank of America and the Merchant may have some activities that I ignore and may wan to blame me and force me to pay the fees. 

Regard,

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Received email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER. Unsolicited, called Amazon, who had many complaints, tried calling Synchrony Fraud and New Account and Customer Service. Fraud voicemail said they were closed, others waits 23 and 25 minutes and never reached anyone. Online search found hundreds if not thousands effected with similar emails. Appears not to be fraud, but Synchrony used Mt Lowes Credit Card information to apparently open an Amazon Credit Builder account which was never requested by me. 

What can be done to stop Synchrony from opening accounts without approval and seemingly without Amazon requesting the accounts. Cant get the truth, but it feels like the XXXX XXXX debacle all over 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