vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
I opened a email that I received yesterday from Bank of America. I have had this credit card for over five years. I have never missed a payment. In the email they stated that they were closing my account. I called the customer service agent and she stated that is was based on risk management factors. 

I did not know I was constantly being monitored in ordered to keep my credit card. I pay on time, I have had this card for years, so why? She said that I had too many inquires, high balances, and late payments on my credit report. I reminded her that I already had the card for some time and was never late. 

This is the first time I have ever had this happen to me? Is this a new practice. I am concerned, is this a signal of things to come in the financial sector? Are the banks tightening up their belts and cutting off the fat? 

I just want my Bank of America credit account to be reopened, to lose it will make my credit score drop terribly.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted several times, with and without the assistance of the CFPB to have Transunion perform a PROPER investigation into the public record on my credit report. They state, on their website that public records before XX/XX/2018 were sourced from XXXX. I have included this webpage as part of my attachments. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Yet, Transunion continues to assert that they indeed reached out to XXXX and that XXXX verified this public record which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Transunion, I am requesting that you do the same. Please do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately 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 explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX  asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. 

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. 
Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank and XXXX ( the loan servicer ) overcharged for amounts that were not disclosed on the closing documents and refuses to refund. 

I closed a no-cashout refinance on XX/XX/2019. Citibank required cash to close for the impound accounts ( this was disclosed ). In addition, they " streamlined '' the impound account balance from the previous loan into the new loan which was NOT disclosed. This resulted in double charging me for the impound accounts ( approx. {$3800.00} overcharged ) and was not disclosed on the closing documents. 

I have contacted Citi and XXXX 10-20 times over the past 3 months for a refund, and they refuse to send the money.

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 2019-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
They have been calling my previous employer up to 30 times daily after being told I no longer work there. I have received numerous calls to my personal phone but have them blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion, XXXX  and XXXX  are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX, Equifax and XXXX are reporting 3 hard  inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. XXXX pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once. 

It was obvious that we were shopping for the best mortgage proposal for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi My situation is much complicated and I tried everything I can to resolve it with the debt collectors and company, I have 4 closed accounts Capital one, XXXX, XXXX  XXXX and XXXX XXXX, a total debt not exceeding XXXX, these accounts were open with my identity 2 years ago, I was not aware of them, they were actually being paid on time for the first 3 or 4 months, then stopped, I came to realize that my Brother who looked exactly like me was responsible for these accounts, I was not aware of it at all and I did not give permission to my brother to open these accounts! I tried disputing these with the bureaus and they are not showing any kind of effort or knowledge or even care, they are determined to collect these debts, I even tried paying some but eventually I realized that Im not responsible for this! Please help. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an American Express Serve Card with a balance of {$55.00} on it and a Bluebird card ( also from Amex ) with a balance of {$6.00} on it.American Express " froze '' both cards and refused to give me my money back.I wrote them a letter a month ago to : American Express XXXX. XXXX XXXX XXXX, Ga. XXXX. 
I asked for my money back. I have had no response from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have had a freeze on all 3 reporting agencies for 25 years. I only open them if I need to purchase a house, car, etc. I wanted to increase my credit line with my visa at my credit union bank. I successfully opened XXXX XXXX and XXXX  for a month. I could not open Experian - which is the only credit reporting agency all credit unions use, so I was not able to up my credit line. I had successfully opened Experian in 2017 for 2 months and they gave me a pin number they don't recognize now. All of the ways of opening it are on-line and one of the phone numbers they list sends you to a person who tries to get you to purchase a plan which costs {$290.00} to open at your freeze at will and monitor your credit. I told them no. The other number puts you in a hold and drops you off the call. They also tell you to write to them at a P.O. Box and give your information so they can be sure who you are, which I did with a request they unfreeze my credit for a month. I never received anything back.

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 2019-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX SYNCHRONY BANK CITGO XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.

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 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I made three ( 3 ) separate purchases using my Bank of America debit card on the website entitled XXXX. 
It is the normal practice of XXXX to send a confirmation email within minutes of making the purchase on their website. I grew concerned when I did not receive a confirmation email. I could not reach a representative at XXXX so I immediately called Bank of America at XXXX on the same date XX/XX/XXXX. A Bank of America representative indicated that the charge had not yet come through but that as soon as they did come through I would be given a temporary credit and my claim/dispute would be processed. 
On XX/XX/XXXX, three ( 3 ) charges appeared on my Bank of America account in the amounts of {$95.00}, {$95.00} and {$330.00}. 
As promised, on XX/XX/XXXX, Bank of America provided three ( 3 ) temporary credits matching the three ( 3 ) XXXX debits. 
To date, I have not received the items purchased on the XXXX website nor a confirmation email. Instead, XXXX insists that the 3 orders were failed due to payment failure As such, XXXX continues to insist that I was not charged. See attached screenshot of my communications with XXXX. 
Bank of America, without explanation, reversed the temporary credits on XX/XX/XXXX in the amount of {$95.00} ; on XX/XX/XXXX in the amount of {$95.00} and the last one for {$330.00} on XX/XX/XXXX. XXXX has not provided the items purchased and maintains that XXXX did not receive payment. 

Bank of America received my XX/XX/XXXX fax complaint and on XX/XX/XXXX Bank of America sent to me two emails indicating that they would not be returning the credit to the account because XXXX validated the purchase. Yet, I have no idea how such a validation was made by XXXX   since I still do not have the items purchased.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
M. Leonard and Associates attempts to charge interest on medical debts that they are legally not allowed to charge interest on per federal law stating that debt collectors can not charge interest that is not in the original contract. I have a medical bill with them in the amount of {$210.00} that I now supposedly owe {$270.00} on due to fraudulent interest charges. When I stated this and told them that I was not going to pay it at that time, they simply said, " Well it's already on your credit report. Have a nice day. '' and hung up. I can only imagine how many people have unfortunately been scammed by this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have been trying to refinance a vehicle from ally for almost a two months.Back in XX/XX/2019 I had asked for a payoff faxed to submit to my credit union.The fax was sent to me.I then decided because of my credit to stick out with ally.I called and was told someone would be contacting me about a rewrite.Fastforward to XX/XX/2019 I contacted them about a late charge that was sent to me but when I paid the note it wasnt on their website.I spoke to a young lady by the name of XXXX around XXXX.I got the run around about finally got to the Department when I asked what would the terms be the phone got quiet and then the survey came on.It was like she hung up or sent me to the survey.It seems like they dont want me to refinance.

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