vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
After being a customer for nearly 10 years with Bank of America and having multiple personal and business accounts in great standing, I received notice on the XX/XX/XXXX from BOA that all  my accounts will be terminated and that I have 21 days to withdraw funds. Shocked and thinking that it was some type of error, I went to my banker at our local branch and he said that he has no info and has no clue why I am being treated this way. I want to know why??? This does not seem fair or legal to me at all, please help!

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 2018-08-08 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: CA

Complaint narrative:
On XX/XX/18 I received a text alert from XXXX  XXXX XXXX regarding suspicious debit activity in Florida. I contacted XXXX XXXX XXXX and told them it was not me and put my account on hold. I later discovered that the unknown suspect had used a fake California license and my social security number to request a temporary debit card. I did not give anyone permission to use my information nor withdraw funds from my checking account. A new debit card that I never requested was mailed to my address in XXXX XXXX, CA a few days later. Additionally, I found out that another debit card linked to my account was over-nighted to someone named XXXX in XXXX, FL. I never received an authentication code nor an e-mail from XXXX XXXX XXXX. The unknown suspect withdrew a total of {$6000.00} from two branches of XXXX XXXX XXXX located in Florida. The unknown suspect also used the temporary debit card at XXXX and XXXX in Florida and applied for credit cards with XXXX XXXX and XXXX XXXX XXXX. I was at work in XXXX XXXX, CA when the events herein occurred and have never been to any of the locations where the transactions took place.

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My problem is about XXXX  gift card with XXXX dollars stored in which is a " gift ''. I lost it and called the company to request a replacement card. 
I called them on XX/XX/XXXX at XXXX XXXX  to request a replacement card. The customer service representative got my personel information, did security check and told me that my card will be sent in 5-10 business days. 
So I waited for three weeks and called them again and this time the customer service representative recommended me to wait a little bit longer. 
After waiting ten days I called again and this time the customer service representative told me that there is no record about my replacement request and told she will be creating it. She wanted activation receipt and address proof. 
And I sent the activation receipt and address proof with an e-mail and nobady answered it. 
Then I called again and another customer representative told me that they didn't get the e-mail. 
So I sent it again ( the same e-mail to the same e-mail address ) Then I got an answer that they also need the purchase receipt even though I have the activation receipt. 
So I reached my friend which has XXXX kids and have no time and asked her to find the receipt for me with shame. She couldn't find it. 
I know that keeping the activation receipts is important for such problems so I kept it and provided it to company but they still don't answer my e-mails and not replacing my card. It has been 4 months since I lost the card. 
I think they are trying to make me get tired of requesting replacement card. So it is kind of a fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I am being harrassed on a daily basis. Company in question is calling and harrassing me and my coworkers and family at my job. Which has almost caused me to lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed that there was an unauthorized hard inquires from XXXX XXXX XXXX on XX/XX/2018 on my Experian credit report that i did not make, i called Experian to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian or XXXX XXXX is working together using my info TO OBTAIN CREDIT.

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC
State: FL

Complaint narrative:
NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did an online dispute XX/XX/18. The company updated the account within the 30 days. I sent via certified mail a letter requesting the company verify information on XX/XX/18. ( Example uploaded ) The company deleted the account XXXX stating meeting FCRA requirements. On today XX/XX/18 the company put the deleted item back on report and removed the wrong account ( XXXX XXXX XXXX XXXX ) ( uploaded screenshots ).

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 2018-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,

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 2018-08-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: CA

Complaint narrative:
Our ATM withdrawal XXXX is {$800.00} On XX/XX/XXXX someone withdrew {$2000.00} of our checking account through an ATM. I called the bank next day ( when we saw the transaction ), and they opened a ticket. 
That same day, before the $ XXXX were stolen, there where some shady transactions for very low amounts, one charging and the other one reimbursing. Because of the way Bank of America works, those transactions dont longer appear in my history ( like they had cancelled each other ). 
This morning ( XX/XX/XXXX ), the bank finally gave us our $ XXXX back. After the $ XXXX credit cleared in our account, later today, there were a couple of those small shady transactions, and a big withdrawal of {$2500.00}! AGAIN FROM AN ATM! 
Those two weeks it took the bank to give us our money back generated financial stress on me and my husband, since we had to tap in our Savings account to pay the rent. That savings account has the money for the down payment of a house we are in process of buying. Now, again, we are short for our down payment! This has to be an inside job from the bank, given the timeline and that our withdrawal limit is {$800.00}. The bank tell us they were using the virtual teller in the ATM to extract money Please help.

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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a call on Friday XX/XX/18, the man calling said I was being sued for a an amount of {$1500.00} dollars, from us bank, and if I didn't pay I would be going to court and I could get my wages garnished in order to repay the debt or I could make monthly installments until debt was paid off. I told him that the last time I had a banking account with US Bank was over 10 years ago and have not banked with them since. he said he would email me a letter and I had to sign it. if he didn't have it within 48hrs they would proceed with the court filings for the debt. I have called US Bank three times and all three persons who I have spoken to say nothing comes up with my social of me being in collections and they advised me not to open the email that they sent me, that it might be a phishing email in order to obtain my personal information. the email address i received it from is - XXXX, the persons named in the email are a XXXX XXXX and a XXXX XXXX . 
phone number they called from is XXXX and the reference number they gave me was 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 2018-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

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 2018-08-08 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: TX

Complaint narrative:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: DISCOVER BANK
State: NC

Complaint narrative:
I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX Bank took {$680.00} out of my escrow account to take out a flood insurance policy with XXXX. XXXX Bank has had a copy of my Flood Insurance policy with XXXX since they purchased my loan from XXXX XXXX XXXX in XXXX of XXXX. I have submitted copies of the flood insurance policy sent several messages and called the customer service number. Through the online messages, calls and letters I was informed that XXXX refunded the {$680.00} to XXXX Bank, but XXXX Bank accidently funded another customer 's account my money. Last they responded they were expecting to have the money in my account by the end of XXXX. The {$680.00} has not been refunded. It is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: TX

Complaint narrative:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. 

I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
I applied for an auto loan, and the company, XXXX XXXX, tried to FORCE me to PUT my HUSBAND on the LOAN, because I financed a vehicle for him in 2016, I refused several times and was told that they couldn't finance me if I didn't, MIND YOU I COSIGNED FOR him, NOT the OTHER WAY AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

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 2018-08-08 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: FL

Complaint narrative:
XXXX reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

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 2018-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unable to get credit profile with Equifax. Credit profile establish with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NY

Complaint narrative:
I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I previously made a complaint about a collections company representing XXXX XXXX XXXX company regarding an auto insurance policy that I canceled. A few months after I canceled the policy the company, XXXX XXXX contracted a debt collector that made allegations that I owe {$1700.00}. I questioned the accuracy of this balance since I paid monthly and canceled the policy before the coverage expired. I also asked the company to send me a breakdown of these charges so I can verify accuracy of what they are alleging I owe. This collections company did not send me this information, and also stated in the last complaint that they would stop contacting me as this debt is not valid because they can show no proof or breakdown on what it consist of. After they made this claim, I received another letter dated XX/XX/18 that also stated I owed this same amount with no description of what this debt actually consists of, with no breakdown whatsoever. This company clearly has no respect or concern for the statement they made to the CFPB regarding them no longer contacting me in regards to XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation