vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: KS

Complaint narrative:
I have repeatedly requested Discover Card quit using my e-mail address as a means of communications. I first issued a Cease & Desist request around XX/XX/XXXX to Discover Card via phone contact with a representative at their customer service number. I additionally contacted XXXX XXXX with Discover Card Executive Services at XXXX on XX/XX/XXXX and spoke with his assistant on a recorded line advising him they need to Cease & Desist using my e-mail as is my right under the Can-Spam Act. However, I continue to receive e-mails from Discover Card as of XX/XX/XXXX which is a direct violation of both federal law as well as internal Discover Card compliance procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.

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 2018-09-04 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: NY

Complaint narrative:
Equifax has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was encashing my paycheck, as always been the case, with Bank of America branch. I have no problem before until now. An XXXX XXXX XXXX Manager 2 of Bank of America at XXXX XXXX XXXX XXXX, CA XXXX, refused to encashed my check. I showed them my paystub and the check but I was met with racism, arrogance and when I said I was going to complain for the treatment, and when I asked for his name, I was shouted of which the whole branch would hear literally. I was met with sarcasm and threat! This person is XXXX XXXX. He mocked my XXXX and belittle me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country

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 2018-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I requested a copy of my credit report be sent out by XXXX. I started going thru it and immediately found a problem : XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Partial Account Number : **** Original Creditor : XXXX XXXX Status : Collection account. {$210.00} past due as of XX/XX/XXXX Now, this is from when I lived at XXXX XXXX XXXX, in XXXX XXXX, back in XXXX. It was for high-speed internet service. I phoned in and canceled the service, before relocating from XXXX XXXX to the XXXX XXXX, around XX/XX/XXXX. The person that I spoke with asked about whether or not I would be starting the service up, again, in my new location, and I said that it should just be terminated as I was not sure where I would be living and if XXXX XXXX  would even be available, where I eventually settled. 

I have spent most of the past three years in XXXX, XXXX. 

I phoned XXXX, on XX/XX/XXXX, to dispute the claim. I related the story to them, via their system. 

Later on XX/XX/XXXX, I logged in to find that the collection item had been deleted. 

In XXXX, though, it showed up, again : this time, associated with an " XXXX XXXX XXXX ''. 

XX/XX/XXXX Update : I phoned TransUnion ( at XXXX ), today, to go over the whole sad, sorry case. Thru the person that I spoke with, I filed another dispute ... Confirmation ( transUnion case ) Number :  XXXX. 

XX/XX/XXXX update : I found that the collection item was still showing on my credit report, a few days ago. So, I phoned TransUnion, again. The rep said that there was a XX/XX/XXXX, expected response date. He said, also, that a statement of the results of my XX/XX/XXXX dispute had been mailed to me, at the XXXX address. I wasn't there to receive it, but since this item is still showing on my credit report, it seems that the dispute went nowhere. 

XXXX dropped the item, but TransUnion is failing to do so. 

On XX/XX/XXXX, I lodge a complaint against XXXX XXXX XXXX with the XXXX  ... 


Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : <email address removed> Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX <postal address removed> Filed against : XXXX 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 2018-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MA

Complaint narrative:
I receive my SSI benefits on a XXXX XXXX Master Card ( this is the card Social Security suggests ). On XX/XX/2018 {$1700.00} was wire transferred off my card. I contacted XXXX XXXX XXXX Fraud Dept and they had me fill out a questionnaire and cancelled my card to start an investigation. I was told {$1700.00} was wire transferred off my card. A new card was issued. On XX/XX/2018 I was contacted that {$1000.00} was put back on my card. When I asked why the original amount of {$1700.00} was not put back, no one could answer me. I immediately went to withdraw my money but could not. I called XXXX XXXX again and was told {$1000.00} was wire transferred off my card. Again, XXXX XXXX cancelled my card and had me fill out another questionnaire. I have repeatedly asked XXXX XXXX to mail me a check for the {$1700.00} which they refuse to do. They said they will start another investigation for {$700.00}. I asked why it keeps going down and again, no one seems to know. I explained that there are over 150 complaints against XXXX XXXX for money being wire or bank transferred from their cards. I reiterated that there is apparently a huge issue with my account and would like a check mailed. XXXX XXXX refuses to send a check. I am still without my {$1700.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: WV

Complaint narrative:
On XX/XX/18 my renter ( who generally pays by money transfer ) transferred XXXX into my checking account at SunTrust Bank. However, instead of the money being deposited into my account, it was withdrawn from my account and deposited into the renter 's account, leaving me with a negative balance. I called the bank to fix this issue and they said I will have to pay a {$36.00} bounced check fee. This is the bank 's mistake and not mine. How my renter ( who has no legal access to remove money from my account ) was able to withdraw money from my account is a huge concern.

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 2018-09-04 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: NC

Complaint narrative:
This is a problem with the Bank of America Travel Rewards VISA billing statement. Bank of America has intentionally used confusing  wording on their billing statement to mislead the unsuspecting or elderly customer to pay only the minimum amount every month, thereby causing them to pay interest on the outstanding amount during the following billing cycle. Here is a copy of their billing statement format : New Balance Total {$1800.00} Current Payment Due {$25.00} Total Minimum Payment Due {$25.00} Payment Due Date XX/XX/2018 They list the " minimum payment due '' twice under different headings. This is very misleading and unnecessary unless they are trying to trick someone. The amount to be paid on this example in order to avoid interest is {$1800.00}. Other credit cards only use three categories : " New Balance '', " Minimum Payment Due '', and " Payment Due Date ''. It is very clear and straightforward. I addressed this issue with B of A and their representative was very quick to give a rigorous and lengthy defense of their format which tells me that they are aware of what they are doing and have intent to defraud. I believe a CFPB complaint is at least warranted and a class action suit is probably needed.

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 2018-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: FL

Complaint narrative:
I'm just trying to get a credit freeze on my report. I went to the Experian page, gave them all the info they asked for. Was told that it wasn't correct. I then went to their page to upload my ID. It was We can not accerpt this as it is a JPG file. We require a TIFF file. 
Fine. I convert it to TIFF and upload it.

Your session has timed out and the page has expired. Please return to the front page and start over.

We can not accept this as it is a color image. We require a Black and White image. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
Could have said that. 
I load it into XXXX and convert it to Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image.

UGHHH. I take a new picture of the ID, making sure it's in Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image. 

They're making people jump through so many hoops just to get what is supposed to be a free 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 non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: DC

Complaint narrative:
It appears that my mortgage may have been transferred to XXXX XXXX XXXX. I was not notified by Ditech. Now I received a statement from XXXX XXXX saying that I owe a mortgage payment by XX/XX/XXXX. but my auto payment was already sent to my old servicer, Ditech XXXX I have no excess funds to pay XXXX XXXX. I would like to know why my mortgage was transferred and if possible, keep my mortgage with Ditech. If not, I would like my XXXX payment sent to XXXX XXXX with no adverse actions on my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had to XXXX the phone number when it had been a few weeks since my purchase and I had not received a bill. I was able to put in my SOC/zip and it pulled up my balance and asked if I wanted to Pay Balance IN FULL, the balance matched my receipt so I said Yes and paid. Over a month later I received a bill with Finance charges and late charges. When I called the billing rep said she could not fix or adjust my account due to the company going through bankruptcy. She said she would place an escalated complaint and I should get response by mail in about 6 weeks. All that I  have received are more invoices with more interest/late charges. I paid my purchase balance in FULL to the XXXX within a few weeks of my purchase { without having received an invoice }. The invoice I just received says are charging me {$130.00} for lates fees and interest and I do not owe this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
I received a statement from XXXX XXXX stating that I owe my payment to them for XXXX. I called my previous servicer XXXX and the auto message said that my mortgage was recently transferred. I never received anything from XXXX advising this. My auto payment was already sent to XXXX for XXXX. If possible, I would like my mortgage to stay with XXXX. If not, I would need the funds I sent to XXXX forwarded to XXXX XXXX, with no adverse action taken. I have already filed a separate complaint against XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.

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 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.

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