vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 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: MS

Complaint narrative:
Reference : my CFPB Complaint # XXXX submitted XX/XX/XXXX to Equifax Credit Reporting Agency. 
As of yesterday { XX/XX/XXXX }, in response to the referenced CFPB Complaint, I have received Equifax 's reinvestigation results ( See Attachment 1, 3 pages ) for the disputed XXXX  XXXX Bank Account on my Equifax Credit Report. Again, NO ACTION was taken to correct the INACCURACIES in the 81-MONTH PAYMENT HISTORY CHART/GRAPH for the XXXX XXXX Bank Account ( See Attachment 2 ). The XXXX XXXX Bank Account CORRECTLY shows that the account was CLOSED in XX/XX/XXXX ; but the 81-MONTH PAYMENT HISTORY CHART/GRAPH is contradicting the Account CLOSING DATE of XX/XX/XXXX. The 81-MONTH PAYMENT HISTORY CHART/GRAPH shows continuing Late Payments and/or Charge Offs, AFTER the ACCOUNT CLOSING DATE of XX/XX/XXXX, during the years XX/XX/XXXX, XX/XX/XXXX and throughout XX/XX/XXXX ( Again, see Attachment 2 ). THIS IS A URGENT MATTER -- I have applied for a Mortgage Loan, and the Lender will not move forward until the CONTRADICTING INACCURACIES on the XXXX XXXX Bank Account is ACCURATELY cleared up on my Equifax Credit Report. This is COSTING ME MONEY while awaiting to CLOSE MY MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.

Complaint narrative:
On XX/XX/XXXX. I bought a prepard card. I added XXXX $ and I was charge a XXXX $ fee which is normal. When I aas back home I tryed to login to see my balance and I realised that my card was invalid. I had to wait on the line for severals hours before talking to a customer care employe and after that to a supervisor. The supervisor told me that I needed to send the prooves of my purchase by email to this Incomm compagnt. This is were the problems started. When I sent the documentation Incomm was sending me the same emails telling me that they were not able to open my pictures, which is almost impossible because of the causual format. I sent them 5 times my email and every times they told me it was impossible for them to open them. I then asked them what other way I could provide the documentation to them and this is were the started to ignore me. Since then ( 3 weeks latee ) I have to call the costumer service every day so they contact Incomm, by email, for me, and even then, Incomm won't write me what is going. This is the poorest costumer service I have ever seen in my entire life. It is completly insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: NJ

Complaint narrative:
this is my second complaint there on this issue the person who responded before does not respond to my calls so after wasting my time again earlier today i write again. I disputed XXXX dollar charge from XXXX XXXX weeks ago i did so the other XXXX because as a repeated multiple times i developed an XXXX XXXX shortly after my visit to the salon. which came from water being left in my ear. i called and called and i get CS who barely speak English who waste my time the person from the bank who answered i left messages for no response i want the enTIRE XXXX dollars refunded i have explained why in great detail multiple times. due to the loss of my well being and time i am unableto use my cards for months now CS must improve please credit XXXX dollars. i had to go to emergency room for treatment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This is an effort to call for accountability for Bank Of America. I opened the card with an XXXX balance last year, and with no late payments, no significant changes to my credit report or any other just cause they reduced my credit limit by 50% to XXXX, in spite of sending me junk mail for new credit cards?!I have made a series of on-time payments using automatic payments from the Bank Of America website of $XXXX. My account has been in good standing for several months.Now on XX/XX/XXXX I get an email from XXXX XXXX telling me that my account is past due, though I my bank account was drafted on XX/XX/XXXX. Now how is it that XXXX XXXX can send me an email to notify me, but Bank of America can't?! How can Bank of America justify damaging my credit, when I made a payment 10 days ago?! Do they not have a system to automatically email customers when certain conditions are not met?!In my humble opinion this is a quintessential example of everything wrong with consumer banking from the banks that took taxpayer money to cover their losses in the last recession.

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is about Chase Bank. I recieved an over draft this morning for {$150.00}. According to the Chase app. I had {$40.00} in my account as of yesterday, XX/XX/2019, when i withdraw {$120.00} out at the atm. I tried to figure out how this could have happen but only thing i see is my payment to XXXX XXXX for {$200.00} that was placed on friday XX/XX/2019. Now i know for a fact that it was posted to my account which means the money was to be held or taken out. Because the {$200.00} was on the XXXX XXXX credit card the next day. I do not understand how i overdraft my account when i always check my app. I just found out My daughter who is XXXX  XXXX  is also having this problem. She has a hard time counting her money and she said this has happened to her more then once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Yesterday I submitted a complaint about this company because of a bill that was sent to collections by XXXX XXXX XXXX  XXXX. Today that I managed to contact CSA Inc, they reported sending bills to my WRONG address, and that they called me. However, I never received any calls from them, and they also sent bills to a wrong address, or perhaps never sent it because I had mail forwarding. Now they say that even though I paid my debt, the derogatory mark will not be taken off 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 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
my issue is not what i checked. i accidentally made automated payment for XXXX XXXX for XXXX dollars i quickly called to SWITCH it to XXXX. she said she cancelled it for SAturday. XXXX XXXX i asked her are you sure as i will bounce if it comes out today. she said yes. PLEASE pull call. this has nothing to do with any XXXX dollar payment scheduled she said she would cancel it and did not it came out today XXXX XXXX i am now overdrawn. or will.be. Please listen to call. 
I had asked for my interest to be refunded based on my long ter loyalty all i get are scripts i know its vaid i know how to avoid it. what i will be avoiding is the use of this card for a while all of my cards please do something for what i have endured here. i asaked for XXXX dollars to be cancelled for XXXX XXXX now i have problems due to your mistakes. Please no scripts about the interest for XXXX bucks they can lose my business. My record is exemplary and i know the rules times are tough i wanted loyalty alli get are problems and scripts.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian had not allowed me to get access to my credit report for over two years. They are nearly impossible to contact by phone ; the automated message demands a bunch of sensitive information by mail for no reason. No other credit bureau has caused me such issues.

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 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Recovery Services, Inc
State: IN

Complaint narrative:
The bill in question was for approximately {$1200.00} for emergency ambulance services. The bill was paid in full in XXXX to XXXX XXXX XXXX XXXX. On XX/XX/2019 I received a letter from XXXX XXXX  XXXX, XXXX ( Total Recovery Services ) that they had been asked to collect a debt owed to Total Recovery Services for {$21.00}. We called the number in the letter and asked to speak to someone regarding what this {$21.00} was for and who Total Recovery Services was as we had never received anything from them. The person who answered the phone asked me to provide the name of current employer. As I still had no idea who it was I was calling or why they sent the letter, I refused to provide them that information. They refused to speak to me unless I told them who my current employer was. As this point, I was extremely suspicious that this was some sort of scam and terminated the call. My wife later called the number and was told the same thing, that the person on the phone could not discuss the account unless they were given the name of current employer. She asked them why they needed the information and was told that they were using it to verify my identity. She informed them that they did not need that information and offered to verify another way. They refused and terminated the call. She then attempted to contact Total Recovery Services directly and was given the same exact run around from what sounded like the same person ( meaning that Total Recovery Services directly and was given the same run around from what sounded like the same person ( meaning that Total Recovery Services and this XXXX XXXX  XXXX  were the same people ). At this point we were certain it was some type of scam. This weekend, I checked my credit report that comes with my credit card bill and was shocked to see a 100 point drop in my credit score XXXX to XXXX. An online search showed that this Total Recovery Services had turned me in to the credit bureau 's for a debt that has never been verified and that I highly doubt even exists. At this point I will likely pursue further actions with FTC and state Attorney 's office. I have already filed a complaint with the XXXX  XXXX  XXXX. I have also disputed this with the credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2019 my checking account with Bank of America was locked out with no access, no phone call and no email from the Bank. When I called to inquire what was going on with my account they sent me to the " account closure '' department where the representative told me my account was being closed by the bank with zero explanation why. My XXXX year old step daughter recently started a job and while we were in the process of opening her a student account I had her sign her pay checks over to me in order to deposit them and gain her access to her funds. I have never had any issues with a check being signed over " pay to the order of '' with any bank before. The check was valid and signed. I have still never received any explanation from Bank of America as to why my account was closed, but I am assuming it is in connection with depositing my step daughters pay check. It has been almost 30 days and the Bank has not sent me these funds even after closing my account with no explanation. This practice is ridiculous and I want my funds returned to me ASAP.

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 2019-12-16 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: NV

Complaint narrative:
I have had enough of this cat and mouse game with these credit bureaus! I have sent my FTC affidavit and they are refusing to remove these erroneous accounts. This is my last and final attempt for I do have a legal representative on standby. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to  request further information about items on my credit report. 

XXXX XXXX, XXXX  2013, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Also, there is a address that I have disputed numerous times that does not belong to me. The accounts that I am asking for are accounts that are linked to the address that does not belong to me. I can not get any information from any of the creditors because the accounts are not mine. No one can seem to provide a credit application with my signature. I believe these accounts were opened online and none of them required to send in proof of ID. I was a victim of ID theft almost 10 years ago.I did not provide my address to any of these companies.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been trying to sign up for Experian.com and am unable to complete the registration process or even reset my password. 

The online system seems to know who I am, has my login information, but when attempting to correct the information online I get the following response : " We have encountered an irrecoverable system error. '' Call us TOLL FREE at XXXX. 

When you call that number ( or any other Consumer Number offered by Experian ), the Telephone-Tree only offers to send you back to the online site at experian.com and hangs up. No offer to speak to a real " human being '' is offered and any attempt to contact Experian has similar results. 

Currently, there appears to be no way to resolve this matter. I am not confident in Experian 's ability to offer credit services for consumers at this point as they do not offer any way to talk to a human being. 

Please have a representative from Experian contact me to resolve this matter.

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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
This alleged Debt appeared on my file on XX/XX/2019 in the amount of {$760.00} not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.

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 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? 
The business name is XXXX but when I look it up it is Health Care Recovery Group.

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 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX  I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee? 

Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: AES/PHEAA
State: AZ

Complaint narrative:
I have tried multiple of times to get fedloans to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but fedloans is still showing multiple of closed student loan accounts with bad payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: GA

Complaint narrative:
Company name : Instarem Remittance Company is holding my personal data in electronic format even though there was no monetary business taken place.. company is refusing to delete my personal data and giving all sorts of over the top inadequate response and closing complaint each time.. this is the third time Im opening up a complaint.. Not convinced with company approach in answering concerns

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 2019-12-16 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: AZ

Complaint narrative:
My loan # XXXX with XXXX was paid in full on XX/XX/2019, and the account closed. 

For an unknown reason, XXXX continues to report me as delinquent on my account. They are destroying my credit and they wont fix it. When I call they tell me theyll fix it, then the next week they report me as delinquent again. The company and customer service will not actually fix it. They are destroying my credit when my loan is paid in full and closed. Please help!!

Company response to consumer: Closed with explanation