vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 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: MN

Complaint narrative:
I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.

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 2018-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is trying to collect a debt from XXXX XXXX. I used to rent her a room at one time, but am not her or responsible for her debt. She put me on her card as an authorized user no financial information should have been exchanged. I never had the card and when I found out I made her remove me and had the company do that as well. At that time she was current with little owed I believe. I'm assuming she's gotten behind because the company keeps calling me and my family. I call back each time and tell them to remove my number, I'm not her and have no idea how to contact her. I still get the calls constantly. Usually from a XXXX XXXX, Senior account specialist and they leave the number XXXX. Also got one from XXXX something but the name broke up on the message so not sure last name. I've called and spoken with America Express a bunch of times. Last time was XX/XX/18 about XXXX. They say they've removed my number but I got another call today. They just won't quit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: Diversified Consultants, Inc.
State: UT

Complaint narrative:
Diversified Consultants is reporting on my credit report and attempting to collect a debt that I do not owe. Also I never received a notice for this either, I just saw it show up on my credit report. 
It says it is for XXXX but I do not owe XXXX. They came and picked up the Equipment on XX/XX/18, XXXX was the representative. I also made my last payment with him that day because he pulled it up and told me my final bill. His number is XXXX. XXXX has been paid and this debt is erroneously reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
unable to open a bank account. because other banks put a block on my name so it make hard for me to obtain a another account in my name. Especially BOA say I'm blocked for life not sure what that is. I haven't done any thing wrong is not fair these bank are blocking me for no reason. thank you very much.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2018 - Called Citi prior to making a large furniture purchase to confirm that the purchase would qualify for the 5 % cash back promotion. Was told that " absolutely '' it would. 

XX/XX/2018 - Made a credit card purchase with XXXX XXXX using Citi credit card XX/XX/2018 - Called Citi about not getting points. Call escalated to a supervisor who indicated the purchase should have qualified and would be corrected on my next statement. 

XX/XX/2018 - Received a letter from Citi saying the due to the merchant code, the purchase did not qualify. 

XX/XX/2018 - Submitted a letter to Citi from XXXX XXXX indicating that the purchase was indeed a home furnishing purchase and should qualify. Was told by a Citi representative ( XXXX ) that the issue had again been escalated to a supervisor and the missing {$240.00} would be on my next statement. 

XX/XX/2018 - {$240.00} credit did not show up on statement. Called Citi again and filed this 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 non-monetary relief
Consumer complaint received 2018-08-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.

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 2018-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

Experian XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX//XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX IL XXXX/XXXX  not mine

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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A COMPLAINT TO THEM AND TO THE XXXX AND TO CFPB AND THEY SAID THEY WOULD CORRECT THE PROBLEM AND DELETE ALL THE INQUIRYS. IT HAS NOT BEEN DONE TILL THIS DAY. TRANSUNION ALSO SENT A LETTER WITH THE WRONG NAME ON IT. 
I WOULD LIKE ALL THESE FALSE INQUIRYS DELETED INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018, I received a denial from XXXX XXXX Credit based on disapproval from EQUIFAX, reference # XXXX. I requested information substantiating said denial with my letter to EQUIFAX on XX/XX/2018 after two unsuccessfull online requests. Received last letter from EQUIFAX on XX/XX/2018 requesting documentary submission of a whole slew of personal information for their verification before I could have my credit report. Obviously EQUIFAX already has all my information in order for them to deny my credit application in the first place. So why the need for this unnecessary back and forth for more paper, when all that has to be done is provide me my credit score, its basis, and reasons on which they determined my XXXX XXXX credit denial? Isn't this the simple solution?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
I have an account I am paying off with National Credit adjusters, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at National credit adjusters told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for XXXX XXXX. The number assigned to Ntional Credit Adjusters is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When trying to get prequalified for a loan, the mortgage person I was working with told me that there was a charged off loan on my report. I was quire surprised since I pride myself on paying all my debts and having good credit. 

After numerous calls to various representatives at Bank of America, with whom I keep a high outstanding balance in my credit account I was given a statement which showed that I took an ODP advance in XX/XX/XXXX of {$100.00} that was paid off in XX/XX/XXXX. Subsequently there was an ODP advance in XX/XX/XXXX of {$100.00} and another one for {$200.00} on XX/XX/XXXX ; The statement shows a regular payment on XX/XX/XXXX of {$75.00} and then the balance was charge off in XX/XX/XXXX for {$230.00}. 

Since I did not remember taking out the ODP loan or the overdrafts, I asked for the legal obligation which showed that I took out the loan. After five or six transfers, the representative said that I should file a credit dispute. Since it has been at least 45 days since this request was made, I am forwarding this complaint to you for your assistance. During my most recent call Bank America gave me a reference number of 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 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: PA

Complaint narrative:
Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2018, I called Capital One card services about my credit cards that I have with them. The card that ends in XXXX has a current balance of {$2700.00}. I paid {$100.00} from my bank Customers and it went through. I had {$14.00} of available credit. I now don't have any available credit because the interest rate is extremely high!! My second card with Capital One ends in XXXX and has a balance of {$2900.00}. I paid {$240.00} from the same account and I am supposed to have {$35.00} available on my account Capital One has not released the funds stating that they need to call my bank to see if the funds would clear. I told them that the same account that paid the {$100.00} and cleared is the same account that the {$240.00} payment came from. They will not release my funds and I am certain that when they do they are going to put the interest right after the available funds and my card is going to be over the limit and I will not get a chance to use the {$35.00} that is available!!! 

The interest rate on both cards are too high!! I have asked Capital One to lower the interest rate!! I have been a customer for years and I am tired the rude representatives XXXX ( supervisor ) whose ID # is XXXX and the Fraud Supervisor who would not give me her name or ID #. This has been an ongoing battle with them about my accounts. They want to call my bank to verify the funds I told them no the money is good!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, this account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXX XXXX, they have not been able to locate the funds and requests Citibank to issue a recall notice. 

Please do not close this complaint till I get my funds back.These funds are my only savings and is causing me lot of stress and agony. 

Attached is the letter of XXXX bank and the proof of transmittal

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 2018-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NM

Complaint narrative:
I have an account I am paying off with XXXX XXXX XXXX, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at XXXX XXXX XXXX told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for Cash Central. The number assigned to XXXX XXXX XXXX is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. 

Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.

Company response to consumer: Closed with explanation