vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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:
On XX/XX/2019 i sent a letter to Equifax asking for any and all documentation that they have verying these accounts are actually mine.also with the i sent a photocopy of my Driver 's License, Social Security Card and address.only for Equifax to reply back saying that they can not find a credit file with the identification information that i sent.these are the accounts listed.and they also asked me to send a copy of my driver 's license and social security card. 

XXXX XXXX {$580.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank Opened an account advised by XXXX  office to finance XXXX  work. After a year of making triple monthly payments an interest charge of over {$300.00} was added to my account. I have never used this account to add to the balance. Made triple payments. They told me I had not paid balance in full by the end of a promotional time so they added this interest. I believe the public should be aware of this banks practices and know to read all fine print, which I obviously did not 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 monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I made a {$400.00} cash deposit into my Suntrust checking account on XX/XX/2019 my account was frozen and scheduled to be closed. The last transaction on the account was a withdrawal of {$140.00} at the branch on XX/XX/2019. I contacted Suntrust I was advised that my account would be closed 5 business days after the last transaction posted on the account. The withdrawal posted on XX/XX/2019 the account should have been closed on XX/XX/2019. My account has yet to be closed and Suntrust has yet to send my funds to me. They are keeping my funds when the account should have already been closed. Every time I speak with the internal department I am receiving conflicting information. They are robbing me of funds that are due to me and If I do not get the funds I will be seeking legal counsel it has been over 14 business days and I have yet to receive my funds from my account. This is highway robbery and ridiculous that it takes this long for my cash funds that I deposited to be sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CA

Complaint narrative:
On XX/XX/2019, we issue a Check ( No. XXXX ) from our checking account with Bank of America XXXX for {$830.00} for our monthly rent payment which was received by our landlord ( XXXX XXXX ) .and was deposited by them thru their bank XXXX XXXX XXXX XXXX 
Our bank paid and clear this check on XX/XX/2019 which reflected on our daily banking acitivity given to us by them. On XX/XX/2019, our landlord came to me saying that their bank ( XXXX XXXX XXXX XXXX ) did not credit them with the amount of {$830.00} for my monthly rent and was advised by them that I pay in CASH the rent amount plus the {$12.00} for the check was no GOOD.. I went to see my bank ( Bank of America ) on XX/XX/XXXX or XX/XX/2019 about this and was advised by the Manager that Bank of America paid and clear this check and that XXXX was credited for the amount. My landlord is insisting that I settle this by paying him again in CASH the rent amount of {$830.00} plus the {$12.00} fee saying again that my check is no GOOD. THIS LEAVE ME IN A FRUSTED MOOD ABOUT THIS.. FOR YOUR INFORMATION, MY ACCOUNT IS IN NO WAY LOW ON FUNDS NOT TO COVER THE AMOUNT INVOLVE. WHEN THEY DEPOSITED IT THAT TIME ( XX/XX/2019 ). i HOPE YOU WILL BE ABLE TO FIND OUT EXACTLY WHAT HAPPEN TO THE AMOUNT INVOLVED ON THIS FOR {$830.00}

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 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson Cruz & Associates LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX  words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address isXXXX XXXX XXXX , XXXX, XXXX XXXX please delet/remove any other address they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX of Nevada as I was being treated for Stage XXXX XXXX. The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. The total amount is : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX account number XXXX with lender-services NAVIENT. My loans were consolidated, however ; due to my limited income an IDR was submitted to NAVIENT which was approved for an entire year ending XX/XX/XXXX. 

Nonetheless - to my surprise my Federal and Sate Income Tax refunds for XX/XX/XXXX return were captured by the Department of Education Collections for default payment. 

Consequently - after hours and disconnections and run-around for days from one department to another within NAVIENT, they found no reason for the capture. Thus - I had informed NAVIENT I had spoken to the Department of Education, and The Department of Education Collections as too the IRS all indicated the demand for capture was from NAVIENT. 

NAVIENT denies or declares they made no such demand. I am perplexed confused how an agency such as NAVIENT doesn't know what the left hand is doing and vice-a-vice. And - The department of Education Collections received the captured Income Tax refunds, but will not be released until NAVIENT sumits a reversal to The Department of Collections to return my State and Federal refunds along with a letter indicating that the IRS and Collection agency have been formal notified that an error in judgement was done and removed from the files of the IRS and Minnesota Revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 contact Chase Bank to inquire about reopening a new account. I was told I needed to clear an amount that was in collections, then I could proceed. I paid the disclosed amount, and the rep, Mr. XXXX noted my profile, and told me that I was still eligible to bank with Chase, and could open a new account at my leisure. I stopped by my local branch on XX/XX/XXXX, and scheduled an appointment to open my new account for XX/XX/XXXX. I opened my new accounts at the branch with a truly amazing banker named Ms XXXX. The next day I also opened a Finn account for use when I travel locally and abroad. I also opened a U Invest account for investing on XX/XX/XXXX. On XX/XX/XXXX I stopped by a branch in XXXX Florida to make a cash deposit at the ATM machine, and the transaction was denied multiple times. I called customer service to check on this, and was transferred to their Loss prevention dept. I was shocked to find out that all my accounts were restricted, and the rep I talked to told me they were going to be closed, and she had no valid reason that she could provide. She also said I could NEVER open any accounts with Chase again. She apologized, and said Chase decided to close the accounts, and that was that. This is unacceptable. I can not condone or overlook this type of discrimination. There was no strange or irregular activity on any of my accounts. Chase extended even extended an invitation to restart our financial relationship. I do not appreciate the way Chase has treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/19 I email Cash App support to tell them that I paid {$40.00} for a vendor event and the person didn't provide me documents /location that was needed to attend. I asked them to refund my money or I will have to file a dispute with my bank. Cash App replied back and told me that that was the best thing to do in order to get my funds back and they will listed the merchandise as a fraudulent activities. Meanwhile, they included information for me to submit to them concerning the merchandise and I didn't do it because I thought email them the email conversation between her and I was okay. Meanwhile, days later my account was deactived. 
A few days later I reopen another account under my business name because I knew I had to have funds coming in from clients. They instantly told me that my account is closed and for me to transferred the funds into my banking account. When I tried to do so I was unable to transfer the funds, update new credit card or refund the person ( s ).  I have email them at least 4 times a day concerning this matter. No reply from a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I called back XXXX XXXX  XXXX XXXX and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XX/XX/XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 cuss words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?

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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to dispute an account on my credit which is not mine that was created before my date of birth. I have tried to contact the company multiple times, but can not reach a human through their automated system trying several phone numbers throughout their website including a specific number given to me on their web page when trying to file a dispute. 

I am also unable to freeze my credit with them online and will not accept the only solution to freeze my credit is through conventional mail. This would not allow me to thaw my credit in time for future use and I do not see it as reasonable.

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 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Visa card. This account was paid and should be off my credit report but Bank of America show it still unpaid. I've tried to get them to correct the information but it still shows up as unpaid on my credit 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2019, I made a mobile deposit into of XXXX into my bank account from my employer, who uses adp for all payroll activity. Citi bank then froze my account because they couldnt verify the authenticity of the check I called them on Monday, XX/XX/2019 to have them unfreeze my account and they said they couldnt until the check, from one of the biggest payroll companies in the nation, had aged for six days.  During this time money that I had made as an independent contractor for XXXX had deposited in to the account, an amount of {$200.00}, and I didnt have access to that money because my account was frozen. I called again on Thursday, XX/XX/2019, and they were finally willing to unfreeze my account, but I still do not have access to the deposited check for XXXX, and they informed me I wouldnt be able to access that money until Monday the XX/XX/XXXX, more than a week after I made the original deposit. The bank will have received the funds 5 days after a deposit is made and the bank is not giving me access to the deposit until twice that many days has passed.

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 2019-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Allegiance Accounting Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX i was called from XXXX at Allegiance Accounting Services , LLC. Stating i owed a debt for a payday loan from XXXX. I simply asked for a " vaildation noticed '' to be sent to me. After i asked that question she started screaming at me telling me if i did not pay the debt now i would be summonds to court an procuscted. I simply asked for proof of debt in written an she agian screamed at me saying that this debt is past this point. And refused to give me any proof of this debt. Number they call from is XXXX!! Call them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Several phone calls were made to the collection agency as well my insurance company. On XX/XX/2014 the sum total of {$560.00} was billed to me after attending the ER. I have insurance coverage for that, but yet I was billed for the service.

Company response to consumer: Closed with explanation