vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2019 an attempt for Bank of america to transfer a monthly {$25.00} fee from my checking to savings to help save. ANY OTHER time if there is not enough money to transfer {$25.00} from checking into my savings account it is simply cancelled. If you look into my account you will see many times it has happened and when fees were low it was simply cancelled. Then stated it was cancelled due to low funds. So when funds in checking were less than {$25.00} the transaction will be cancelled. 
So simply put, I didn't have {$25.00} in checking to transfer to savings. The bank transferred {$25.00}, regardless into my savings resulting in my checking account becoming negative, then took an overdraft fee of {$29.00} from savings! and transferred back to checking! So savings balance of {$4.00} is now {$0.00} and my checking that was {$4.00} is now negative {$2.00}. Not only that I don't have overdraft protection. Basically they found a way to make {$4.00} ... .First time this has ever happened so surprised.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried for several years to get my FREE credit report from Equifax and XXXX XXXX but I am never able to pull the report online. They always say my request can not be processed and have to be ordered by mail which can take up to 30 days. This has happened several years in a row. There is no number to call or an email to submit questions to. I have never had any issues with XXXX and XXXX XXXX has worked a few times but not for the last couple of years. Equifax has never been able to give me my FREE report online, ever but they can sell it to me without an issue. 

This is complete XXXX that my personal information is hijacked by companies that I have nothing to do with and I have no access to it without paying them a fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Hello, I was presented with an e-mail offer from Citi advising that if i activate and spend at least {$750.00}, I would receive a 15 % statement credit on my Shop Your Way credit card. Max {$1000.00} ( so max statement credit would be {$150.00} ). 

I activated the offer and have spent exactly {$1000.00}. However, I keep getting the offer e-mail to me and I keep clicking " activate ''. It's been over a week since I've spent the {$1000.00} and I am concerned that the activation isn't taking for whatever reason as we have not received the {$150.00} credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed two of my accounts on XX/XX/XXXX with no explanation, notice, or warning. After 28 days, Chase has provided no status on when I will be receiving my funds. 

Account 1 had {$13000.00} in it. Account Number : XXXX Account 2 had {$7600.00} in it. Account Number XXXX There was no fraud or other bad activity on this account. Chase is keeping the money so they can collect the interest on it. I have followed up with the bank numerous times only to be placed on hold for over an hour each time I call. Whenever I speak to a branch manager, I am told to call back in two weeks. Nothing has been resolved. 

Contact I have been dealing with : XXXX XXXX, branch manager. Phone : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NY

Complaint narrative:
I have tried for 48 hours to log into my.equifax.com. 
They system accepts my credentials, but I'm then directed to call a number. When I call the number, I'm put in a loop. I've called 8 times. I keep getting transferred from one department to another, then, at some point in the process, they disconnect my call. 

Without being able to log into their system, I'm unable to monitor or impact Freezes on my account, without the telephone, which takes over an hour. 

It's difficult to believe this company is allowed to exist after trying to hide it's security breaches, and these continued failures in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: CARD Corporation
State: MA

Complaint narrative:
I have a dispute on file with card.com And they refused to give me a provisional credit while they dispute my case

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: MI

Complaint narrative:
Great Lakes Educational Loan Services turned my loan over to the U.S. Department of Education due to default. I am now attending XXXX XXXX University. After contacting Great Lakes to inform them that I did not receive any correspondence from them to advise me of the status of the loan, they indicated an email was sent on XX/XX/XXXX. After searching my inbox and spam, I received nothing from them. They said they sent a letter back in XXXX. Their lack of communication regarding a loan going into default is absurd. If they would have done so, I would have requested a deferment ( as I did with another student loan thru XXXX ). My request is that this loan be deferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NY

Complaint narrative:
I received a letter from Allied Interstate for a debt and account with center point issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. 

I want them at Allied Interstate to close this right away please. 

I have sent Allied Interstate a letter to close this as well which I have attached. 

Thank you for the help and assistance on this frustrating manner.

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 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I got a message from XXXX XXXX that a collection was added to my credit I clicked it and it was Holloway debt collections. They never ever bothered to contact me via phone or in writing that I even had this debt before putting it on my credit. This is the 2nd time Holloway has done this and they are violating my rights and I plan to seek legal advice concerning this. They are not informing me or giving me a chance to disputed the debt they took it upon themselves and just assumed the debt was valid and its not. Im tired of this company doing this they are purposely affecting my credit and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried for several years to get my FREE credit report from XXXX   and Trans Union but I am never able to pull the report online. They always say my request can not be processed and have to be ordered by mail which can take up to 30 days. This has happened several years in a row. There is no number to call or an email to submit questions to. I have never had any issues with XXXX and Trans Union has worked a few times but not for the last couple of years. XXXX has never been able to give me my FREE report online, ever but they can sell it to me without an issue. 

This is complete XXXX  that my personal information is hijacked by companies that I have nothing to do with and I have no access to it without paying them a fee.

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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Around XXXX of XXXX, I informed Bank of America that I expected to have difficulty in the near future continuing to make my payments on my credit card with them, due to issues with my college. I was told that they could not offer me any options until I was behind. As my area was impacted by a hurricane in late XXXX or early XXXX, I was able to get payments postponed for two months with no ill effect at that time. Afterwards, I was behind, and went to my local branch in hopes of assistance. I was then told that they could not help me because I was behind ( whereas previously I was told they could not help me until then! ), but was provided with the hardship phone number, who was also unable to help me due to lacking income at that time. At some point late in the year, XXXX or XXXX, I don't recall exactly how, I managed to get in touch with XXXX XXXX, in Executive Customer Service. 

He seemed to be understanding of my situation and we discussed that I would have approximately a XXXX coming back from my tax refund in XXXX or XXXX of XXXX. He stated that he would have the ability to offer me something I could manage at that point in time. When I called his office back after receiving my {$900.00} tax refund, which I had already specified I would not be able to use all of it towards my balance with Bank of America, I was informed that no options were available to me other than paying {$3500.00} to clear the whole balance of {$6500.00} or so. 

I was very clear that I was willing to work with them if they were willing to work with me, but they moved the goalposts repeatedly and prevented me from making a payment when I had the ability to do so, claiming it would not be enough. I was also very clear that due to how I had been treated during this process, that if they sent it off to a collection agency, they would never see a dime from me. It was sent to a collection agency some time in the middle of XXXX, at which point I ignored it entirely. Now they're trying to take me to court over it ; they've even filed, which I learned from a local lawyer who was reading recently filed cases, as I have not yet been served. 

My position is that the debt is completely nullified due to Bank of America 's failure to hold up their end of the contract and work with me on a payment arrangement when I had the ability to do so ; that I told them how much I expected to have and when, had that amount at that time, and although they claimed they would make an offer I could manage at that point, as they were lawfully required to do, they deceived me in doing so and have thus voided the contract.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Once again my complaint is about Equifax! The continuously remove and replace information onto my credit report. I have filed several complaints to them and on here. I sent them all the information they requested showing I have NO SUFFIX at the end of my name. They sent me an updated credit report and viewing my online account with them showing it was removed. within a month the suffix " XXXX '' was placed back on my account. I had to place another call to them on XX/XX/2109 @ XXXX XXXX, Confirmation # XXXX to have them remove it once again ... the person I talked to could see all my documentation in my file that I complied with Equifax 's request and could not explain how it got back on my credit report. On or about XX/XX/2019 the suffix was once again removed, But for how long?? 

On XX/XX/2019 @ XXXX XXXX ( same call ) I also asked them to REMOVE a consumer statement " I '' had placed on my file for a dispute for 3 medical bills that I paid. Confirmation # XXXX On or about 3 days later the statement was removed, as of XX/XX/2019 I have viewed my credit report online through Equifax and see the statement is BACK on there again. What the XXXX is going on with this company??? 

I was a victim of identity theft have submitted to Equifax a copy of a local police report and investigation and list of inquiries on my credit report that I disputed and that was NOT initiated by me. They REFUSE to remove them and told ME to contact the creditor ... WHY? Equifax placed them there, they don't show on my other credit reports through XXXX  or XXXX. WHY do I have to do their leg work. To be honest, I'm to busy Policing Equifax to make sure they are not screwing my credit report up. I am believing that Equifax is taking payoffs from credit companies to place misinformation on unsuspecting peoples credit files in order to charge the consumer more on interest rates and keep credit scores low. My credit score is always lower on Equifax that the other two reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
Alpha Recovery Corp. calls all day long during my work hours. Ive asked them to stop calling and send all correspondence through mail. Theyve begun to call my job and now my manager is involved because the woman said it was an emergency. I need them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I have not received my 17 % bonus promotion on my initial direct deposit. The 90 day qualification period has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We owed XXXX to a credit card. They added interest which put it over the limited. And charged for over the limited. I wanted to pay in full today. But they don't want to take the interest off. I'm not paying 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 monetary relief
Consumer complaint received 2019-08-02 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: Freedom Mortgage Company
State: CA

Complaint narrative:
This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XXXX of 2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60 days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, Freedom Mortgage canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking Freedom Mortgage once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high XXXX. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.

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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
My bill says that my payment is due on the XXXX of each month. I logged on to pay it and as it turns out that the payment is credited the next day because it was after a certain hour ( and I don't mean after XXXX ). I called and was told they had waived a late fee in XXXX for the same reason. Why do they put a payment due date that I can't make the payment on after a certain hour? The payment date should be the date hours within reason of the due date or be given a 24 hour grace because of the way US Bank bills the late fee.

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 2019-08-02 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: NC

Complaint narrative:
Transunion displays innacurrate employer on credit report. Keeps. reappearing

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 2019-08-02 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
I have had my mortgage with Idaho Housing and Finance for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With IHaF I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However IHaF has continued to report my loan as closed and refuses to change that status. On XXXX  and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely XXXX and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The complaint is with Equifax. Tried to get it closed it has reached statute of limitations 7 years. XXXX  and XXXX  has moved it from my credit report. So I'm wondering why Equifax has not moved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Today I received money deposited into my checking account for XXXX from this company for a loan I did not apply for

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