vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Never received any communication from XXXX XXXX ... then I get hounding from Portfolio Recovery..also received one letter .. thats it .... Now I am getting inquiries from the XXXX XXXX in XXXX..XXXX XXXX XXXX..again with very little information. I answered the initial letter from XXXX XXXX XXXX..stating I am disputing the debt.. asked for all of the appropriate documents as stated..including signed credit agreement..how PRA came to own the debt..or does XXXX XXXX XXXX own it.. 

The companies have not, in my opinion, working in good faith. Since I am retired, all my income is from SSI and state retirement..exempt..own no savings. I am talking with a bankruptcy attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contact Equifax and each company by certified letter requesting to remove the unauthorized inquiries on my report. I have received over 10 return to sender letters back as the address provided on my report are not to be found. I have also contacted Equifax customer service over seven times, spoken to supervisor and did get one representative that was willing to help remove the inquiries however the call dropped and each representative after that call refused to complete the deletion process. There are several unauthorized inquiries on my report primarily for auto-loans where a I had already a brad new car I purchased less than a year prior to the inquiries. I sent letters requesting supporting info from each creditor of my information, signature and proof of authorization which none of them provided but sent a letter stating the hard inquiry was factual and requested by these companies ; however they failed to provide proof to show that they were " factual. I am requesting that all unauthorized inquires be removed immediately or my next step will be to move forward with legal action. The inquiries are as followed : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2-XXXX XXXX XXXX XXXX XX/XX/XXXX 3-XXXX XXXX XXXX XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XX/XX/XXXX 9-XXXX  XXXX XX/XX/XXXX 10-XXXX XXXX XX/XX/XXXX 11-XXXX XXXXl XX/XX/XXXX 12-XXXX XXXX  XXXX XX/XX/XXXX 13-XXXX- XX/XX/XXXX 14-XXXX XXXX XX/XX/XXXX 15-XXXX XXXX  XX/XX/XXXX 16-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 17-XXXX XXXX XX/XX/XXXX 18-XXXX XXXX  XX/XX/XXXX 19-XXXX XXXX XX/XX/XXXX 20-XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have a XXXX BOA card. On the statement, it states the payment due date is XXXX/XXXX/XXXX. It also states if the payment is made after the due date. it is subject to a late fee.No where on the statement does it state it has to be applied prior to XXXX eastern standard time. 

On XXXX/XXXX/XXXX, I logged in online to pay off my balance. It was around XXXX in the evening, central time. First of all, BOA 's system would not allow for the payment to schedule on the XXXX. Rather, it scheduled it for the XXXX. Furthermore, their website instructs cardholders following the scheduled payment that the late fee will be refunded only if it is paid prior to XXXX eastern standard time. Legally, they should be required to state this time on the statement. I have screen prints of the recorded time the payment was scheduled for your records which clearly shows it was paid on the XXXX. 

I am requesting BOA refund the late fee to my account. I am attaching all the screen prints and the statement for your records.

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 2017-11-26 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: CT

Complaint narrative:
XXXX erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.

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 2017-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears XXXX Citi Bank XXXX XXXX XXXX has put me in 30 days late payment without issuing the credit card. The Sears XXXX XXXX XXXX has put me in late payment in all three credit bureau viz. XXXXXXXX XXXX  and XXXX. In XXXX XXXX one of the cashier in Sears store opened the credit card for me. But the guy entered all the wrong information about me. Because of which I could never get the credit card.In XXXX XXXX Sears XXXX Citi Bank put me in late payment of {$6.00} without letting me know I need to make the payment. I even did not know what was that XXXX dollars for. After seeing a drastic drop in my credit score I called the bank and paid the amount. But the late payment is still in my credit history. I want the late payment to be removed. I had XXXX credit card accounts with the bank. And the late payment is showing in both 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 non-monetary relief
Consumer complaint received 2017-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

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 2017-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion is listing an inaccurate DOB on my credit file. I logged into their system in order to dispute it, and they do not allow customers to dispute this information. Otherwise, I would dispute it and would upload a copy of my birth certificate or my driver 's license.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off XXXX credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had XXXX credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost XXXX points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue Equifax, XXXX XXXX XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost XXXX points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for Equifax it has n't gone up hardly any points after paying XXXX credit cards to XXXX, and experian this is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.

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 2017-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX. 

HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge

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 2017-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.

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 2017-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

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