vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter via certified mail requesting Equifax to look into accounts that where reporting inaccurately on my credit report with them. 

On XX/XX/XXXX I received a response letter. However XXXX  did not correct these accounts. In fact after further looking at my credit report Equifax did not even update my file meaning they did not even conduct an investigation that I originally requested on my accounts. 

On XX/XX/XXXX I sent another letter via Certified mail requesting proof of the their investigation into my credit profile. I highlighted all the accounts in question and sent it back to them. 

On XX/XX/XXXX I received a letter in the mail that they WOULD NOT INVESTIGATE any further into my accounts. This is a violation of my rights according to the FCRA. Equifax can not report information that is incorrect on my profile. Equifax wont even look into this matter giving me proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a targeted offer in the email ( deposit {$20000.00}, get {$200.00} bonus ). I decided to take advantage of the offer and headed to my local BoA branch, where I spoke to a banker. I inquired whether I was eligible for the bonus ( we used to have more assets at BoA prior to receiving the offer, but we moved them a savings account in a different bank, which at that time had an APR of around 1.8-1.9 % ) because one of the points in the fine print stated that the money deposited could not have been previously held in my name. Looking at my account, the banker assured me that I was indeed eligible and that I would receive {$200.00} bonus after depositing {$20000.00} into the account. The banker enrolled me in the offer, I deposited the money on and kept it for the required period, but never received the bonus. If I didn't think I was eligible, I would not have move the money from 1.8-1.9 % to 0.01 % account - that would not make any sense. 
I called the customer support and was informed that I was never enrolled and even if I was, I would be ineligible for the bonus. This was in contrast to what the banker said. However, the banker was unresponsive to my email. 
I feel I was misled by the BoA representative ( either intentionally, or by neglect ) and I would be grateful if the offer was honored. Alternatively, I would like to receive the compensation for the interests I lost by moving the assets from a higher-yielding savings account to BoA for the duration it was held there ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: NJ

Complaint narrative:
On XX/XX/2019 two charges one for XXXX and one for XXXX were charged to my card from card.com as soon as I seen the charges I called and asked for a stop payment on both I was told they could not do this and I filed a dispute of charges and was told they would mail a dispute form to my house which never came. On XX/XX/2019 I called card. Com to check on the status of the dispute the customer service person I talked to was unhelpful and would not listen to what i was saying about them not mailing my dispute form in which I was told I probably would never get my money back. This is the 3rd time there have been fraudulent charges made on my card with this company. I am only asking for the money which was taken off my card illegally without my permission to be returned and they are refusing to do that or talk to a supervisor so that I can resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX, I was advised by XXXX XXXX and the VA , that I  had to payoff the loan that I had through XXXX XXXX XXXX in order for the loan to go through. I contacted Avant to get payoff on Friday, XX/XX/XXXX and they gave me the amount of {$3600.00}. At that time I advised the authorized to draw the funds from my bank account. Little did I know at the time, they only drew out {$3500.00}, which was short one payment off {$140.00}. On XX/XX/XXXX, they contacted me and advised that I was late on my payment. I contacted them to advised that I had payed the loan off. They in turn said that I had not. We have gone back and fourth and they still claim that I still owe them. They have already contacted the three credit bureaus and left me with a low credit score. I contacted the Attorney General of the State of Ohio, and they advised that it was a predatory loan, but could not do anything because they need more complains in order to file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was 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 2019-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/18, I sent LVNV Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. Original creditor account number XXXX. As is required by both the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, I had not received a response to by dispute or request for validation from LVNV Funding. On XX/XX/18, I sent a follow up letter to LVNV Funding, advising them that they had not responded to my XX/XX/18 dispute and request for validation. It has now been more than thirty days since my second letter, and LVNV Funding has still failed to notify me of the results of their investigation, or to send me written validation of the debt. According the the FDCPA and the FCRA, LVNV Funding must now cease collection activity, and delete the entry from my credit report. I am requesting written confirmation from LVNV Funding that the item has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I filed complaint # XXXX about BANK OF AMERICA HOME LOAN and received an email today from CFPB that BOA can not respond to the complaint because I never submitted 3rd party  authorization. I submitted twice. Once by fax the other by direct email to XXXX on XX/XX/XXXX, @ XXXX XXXX along with additional documentation that was requested of me. I have been talking to XXXX XXXX and he has never told me that he never had it. He called me today and didn't leave me a message. He told me yesterday he would have a reply for me this week and now I see this from your offices. 

I am filing this complaint to address them not processing the modification request sent to them on XX/XX/XXXX and I am filing this complaint against Bank of America saying that I didn't submit a 3rd party letter authorizing them to speak to XXXX XXXX from XXXX  XXXX XXXX  who is a HUD counselor who is helping to assist me with the loan modification. BOA is running out my time so that this house will be sold without them dealing with the modification request. They keep asking for documents and every time I give them something they ask for more. I have proven there are funds to cover the modification but they won't accept or deny it nor will they offer any other options and this is what this company does by using up time to cause people further debt. I need help getting them to process the paperwork and not sale the house because they refused to acknowledge they dropped the ball and didn't process the paperwork submitted to them on XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XX/XX/XXXX, one guy stole my wallet, he swiped my credit card twice. One for XXXX {$210.00}, the other one for XXXX {$840.00}. Then i called the police and also i called the bank to freeze my credit card. After a few days, bank of America refund money for me. But!! on the XX/XX/XXXX, the bank charged me for same amount again. I tried to called ed the bank. But everytime i need to wait half hour over on the phone line. Yesterday i wait one hour and half on the phone line, finally they answered me. And then the bank need me to provide additional information to support my credit card was someone stole. Ok. i faxed for them about my case number from policy and policy card. But they still not resolve my problem. Just let me wait .. So i want to know how can i do. Can i complaint Bank of America 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 monetary relief
Consumer complaint received 2019-01-23 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: NY

Complaint narrative:
my best buy credit card was charged with thing I did not purchase when I spoke to customer service they did not want to remove charges and this was going on for months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive applied for credit card to build my credit my credit score was in the low 400 well since I got approved for the credit card my credit score with Equifax went to XXXX ok I applied for a loan with XXXX XXXX for a XXXX  in the amount of {$890.00} they denied me because my credit score is coming up in the low 400 and my score isnt right if they saw that I wan na no why Equifax sent them that score when I have disclosures where my new credit score as ofXX/XX/19 is XXXX  I  would like this matter taking care of cause my loan for a XXXX by XXXX  wasnt approved because of a low credit score was sent back to them had the new credit score been sent I would have been approved could u pls get this matter taken care of its weong to give a loan company that files for your credit score a false credit score and get denied for the wrong credit credentials thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: OH

Complaint narrative:
I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup 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 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One mailed us a solicitation for a new 1.5 % cashback credit card.We are already customers of Capital One, spending several thousand dollars a month and always paying our bill upon receipt, weeks before the due date. Our FICO score is XXXX. 
They denied us this new card, lying outright on page 1 that " too few revolving accounts have a balance " and contradicting themselves on page 2 " Too Many accounts have balances ''. They also lied about our credit score just so they would not have to pay us the higher cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/19 I was notified from XXXX  the company I use to monitor my credit that a hard inquiry was pulled from XXXX from American Express and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On my credit a sear account is showing I never receive a credit card from sears and I was not in the us when this account was open. I called sears and was told theirs nothing they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/18, I sent Midland Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. The original creditor account number is XXXX. As is required by the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, i had not received a response from Midland Funding, and sent a follow up letter to them notifying them of the same. It has now been more than 30 days since my second request, and Midland Funding has still failed to respond to my request. Pursuant to the FDCPA and the FCRA, Midland Funding must now cease collection activity on the account in question, and delete the entry from my credit report. I am requesting written confirmation from Midland Funding that my request has been honored, and that the item has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge. 
But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I made a balance transfer in the amount of {$400.00} from XXXX XXXX and {$780.00} from XXXX XXXX into my Barclays account. These amounts never transferred but yet Im being charged interest on all the accounts! They never transferred but it showed they were transferred in the Barclays account! This was on XX/XX/18 and its still showing balances on all the account. Barclays has not done anything because they dont respond to my messages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened a USBank checking account because I received a personal invitation through email that they are offering {$200.00} bonus if I open by XX/XX/18 and do what is stated in the email ( such as Direct Deposit etc. ). It has a unique offer code, and non-transferrable, which means it is specifically for the email recipient ( me ). Please see attachment. I did so, but till today, I still have not received the bonus. I contacted, and the agent said I was not qualified because I had a checking account before. Then my question is why they sent me the email in the first place knowing I already had a checking account ( which was already closed months before I received the invitation ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 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: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
GM Financial Settled " Settled less than full balance '' their account that was opened in XX/XX/XXXX that is currently closed. They updated my credit reports showing different statuses on all 3 credit bureaus. The information they have on each report is different. 

On XXXX  PAYMENT STATUS states : " legally paid for less than the full balance '' with a STATUS UPDATED date of XX/XX/XXXX with an original balance of {$17000.00}. This shows positive on my report as it states PAID. 

On XXXX, there is nothing showing in PAYMENT STATUS, thus showing the account as derogatory. The date under STATUS UPDATED and BALANCE UPDATED is the wrong date ( XX/XX/XXXX ). 

On XXXX, under PAYMENT STATUS it shows " Bad debt/placed for collection & skip '' as opposed to settled/paid for less than full balance ''. Thus showing it as derogatory. Under the section YOUR STATEMENT, they filled in " settlement accepted on this account paid charge off ''. That is not my statement as I have not made any statements. They also put this under their comments. It would have been helpful if they put this under payment status instead. 

Since the account has been settled, could they please show that in the Payment status section as " SETTLED AS PAYMENT IN FULL FOR LESS ''. 

Either consistency or deletion is helpful. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from Experian from XXXX XXXX and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.

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