vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 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: FL

Complaint narrative:
I have disputed with equifax many times over and over again an address that does not belong to me. The associates at equifax one dat tell me 48 hours and the ones over in XXXX tell me 30 days. Equifax is reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is not my address and i fear identity theft. My actual and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Also i have told them to remove the middle initial/name as my name should only be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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:
My name is XXXX XXXX XXXX XXXX, I was the victim of an indirect fraud via XXXX on Bank Of America To my Bank Of America account. I sold some Bitcoin on XXXX  the user paid me with the account that was hacked, I received the payment and I did Not check the account senders name against the name and the name on the XXXX account, so I release the Bitcoins. About 3 days later I got a blockage on my Bank Of America to account, only then I realized what happened. I explained to BOA in details what happened and also send them proof that I was also a victim on this scheme, and that It completely irrational that if it was about to commit such a fraud I would my legal account to damage my own banking reputation. Bank Of America has a really vague antifraud support infrastructure and they are quick to create an incomplete fraud report especially when they don't have any skin in the game. Not only I lost the Value in BTC but I also paid for the USD fund that was hacked to the other  individual. I'm looking to clear these false and unjust fraud claims out my record.

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 2018-07-24 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: NC

Complaint narrative:
I have disputed this closed/ charged off account with Equifax , XXXX , and XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in violation! 

I was only able to include one document as proof because this document was the only one I have saved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I was on a work conference in XXXX XXXX XXXX, California at the XXXX XXXX  XXXX XXXX XXXX XXXX ( from here on referred to as " the resort '' ). I stayed for 4 nights but my room was paid for by my job. My only responsibility was to provide a maximum of a {$100.00} / day room deposit. At the end of my stay the only amount on hold was near {$270.00}. When I left it was about XXXX XXXX, so I did an express checkout, leaving the key in the drop box. I assumed my receipt would be e-mailed to me since as part of my check in they requested my email address. It was never emailed to me. 

Two days later my deposit was returned to me. However, today I received a notification stating that my account had been overdrawn to a balance of - {$520.00} and the reason was that XXXX XXXX XXXX had placed a {$820.00} charge on my card. I called the resort however I am overseas so while I was able to speak to a receptionist I was not able to get in touch with the finance department because they did not open XXXX XXXX. I had a member from my family who is still in the country continue to call the resort on my behalf. His first attempt the call did not go through. His second attempt after XXXX he was told he could leave a voicemail. He told them he did not want to leave a voice message he wanted to talk to a live representative. They transferred him, and the phone rang through to voicemail. He left his information. He called back two more times to no avail. We still have not been able to contact the resort 's finance department. We have been calling almost every half hour now since XXXX XXXX  and still have not reached XXXX, the person in the finance department. 

My complaint is based on the following issues : 1. There was no physical damage to my room that would warrant the resort keeping my deposit.

2. The hotel staff stated that the hold would be for {$100.00} a day so the maximum that should have been charged to my card is {$400.00}.

3. I was never provided with a receipt even though the resort has the means to provide me with one.

4. The resort seems lax and even non attentive to the issue at hand and seems to be avoiding contact.

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 2018-07-24 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: CA

Complaint narrative:
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc. (Texas)
State: TX

Complaint narrative:
I joined XXXX XXXX XXXX XXXX XXXX on XX/XX/2013. On my contract it states that I can cancel within 30 days. ( I have a copy of this contract ) On XX/XX/2013 I sent a written request for cancellation thru Certified Mail. ( i have a copy of this receipt ) On XX/XX/2013 I received a letter from Account Recovery Services telling me that they have reported this debt to the credit bureau. On XX/XX/2013 I sent a written request to with a copy of my contract and the letter canceling the contract to Account Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. ( I have a copy of this letter and I copy of the certified mail receipt ). I have written at least a dozen letters to both XXXX XXXX XXXX and to the Account Recovery Services Inc and they refuse to take this inaccurate information off of my credit report. This information has been on my report for over 4 years and I want it off now. This negative remark on my report has cost me hundreds in high interest charges. Please help me get this off of my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for the Chase Saphire card online via a pre-approval through XXXX. Chase did a hard pull on my credit history and then received an email stating simply and exactly " We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ". 30 days passed and I did not receive anything from Chase in the mail. I contacted Chase customer support and they informed me that my credit application had been archived as it has passed 30 days. The customer service representative told me it was because my apartment number wasn't on the application so they couldn't verify my address. I requested to talk to some one in their cedit bureau department about having them remove the hard pull and they said they couldn't because they attempted to mail the address on the credit application. 

All of this would've been avoided on my end had I known that their credit applications get archived at the 30 day mark as i would've followed up before that. However, the email I received from Chase did not indicate this and only indicated that I should hear back from them in 30 days. This equates to very misleading and potentially harmful messaging to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: CA

Complaint narrative:
The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

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 2018-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Opp Loans, has failed to apply my loan payment in a timely fashion. 
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to. 
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times. 
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest. 
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal. 
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA NA Someone used my name to get a card and made payments. I need help to remove this. Im hurt bad Payment History Youve made 89 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$770.00} Worst Payment Status 120-149 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have several accounts with Navy Federal Credit Union - personal checking and savings, business checking and savings, and credit card. 

I am 10 days late on my credit card payment - TEN days, not 30, 60 or 90 - with a longstanding good history with this bank. 

I get paid Friday - but today, they withdrew my entire checking account balance without my knowledge, to apply it to the credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Premier Holdings
State: FL

Complaint narrative:
XX/XX/16-I have been threatened with court and other such threats by premier holdings llc. When I requested written documentation of this date they became hostile and refused. My husband then decided to call and they told him my private medial information without verifying he was who he said he was. This was the second time they have called me and threatened me and I can not find any information online for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
Multiple calls to my place of work. I told them to stop and calls continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NE

Complaint narrative:
Ever since Seterus inc has taken over my mortgqage I was automatically 1 month behind. I have proven that this is their error as they illegally removes funds from my suspense account causing my payment for XX/XX/2016 to be short. They have illegaly scheduled automatic home inspections in violation of a ruling in an Iowa case which was upheld by the XXXX cuircut court which stated that this is a violation of RICO statutes. Please see attached documents. I have been threatened by the home inspectors they have illegally entered my home one was carrying a concealed weapon which caused me to flee in fear of my life on my own property. In violation of FTC regulations they backdate payments creating another late payment and late fee which is considered by the FTC and the Fair Debt Collections act to be illega That Seterus inc and  XXXX XXXX have previousely been ruled against in a class action suit.l. I have been harrassed by phone by automated calls for 2 years I have had Seterus representatives tell me " YOU HAVE NO CHOICE BUT TO SET UP AUTOMATIC WITH DRAWL FROM MY ACCOUNT ON A DATE AND TIME OF THEIR CHOOSING '. I have been threatened if I do not provide them with personal information that they have no right to have. Now in an effort to obtain their ILLEGAL FEES! they have commited BANK FRAUD by altering my XXXX mortgage check from {$510.00} to {$810.00} and applied every penny of that {$300.00} dollars to the fees I have been disputing for 2 years. This is a blatent criminal act.

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 2018-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with XXXX XXXX, and 3 pts with Equifax ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both Equifax and XXXX XXXX about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased two pair of XXXX sandals online from web supplier. Did not know from website that supplier was based in XXXX. I received cheap vinyl sandals very different from what I ordered. I repeatedly corresponded with web supplier who refused to send correct order unless I re-ordered again ( for 30 % discount ) Then I reached out to Bank of America, my XXXX company for help. BOA did not help. Instead they asked that I send proof that merchandise was not authentic. I contacted XXXX Consumer Care by email, sent them photos of my cheap sandals, to which they emailed me back. They agreed this was not their merchandise. 
BOA is now stating they want a second opinion letter from another qualified merchant who must physically inspect the merchandise, state that he has expert knowledge and explain how he is able to determine the merchandise is not authentic- all on corporate letterhead.

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