vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.

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 2017-12-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called into Transunion multiple times about inquires on my account that I have not initiate and spoke with a rep by the name of XXXX who pretended twice to transfer me to supervisor but kept coming back on the line himself. I disconnected the call and called back and immediately asked for a supervisor ( XXXX XXXX ) who came on the line and proceeded to read me the same script that the previous rep did stating that they are not obligate to verify information before it is placed on the credit file and that these are considered a statement of fact.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
They are charging me late fees on a zero balance. 
I tried to pay off the balance but XXXX XXXX hanged up the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Credit Karma, LLC
State: GA

Complaint narrative:
CreditKarma keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted XXXX repeatedly as I was told that this is the only place they could have attained this information from. XXXX stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Last nigth around XXXX XXXX i get a email with a alert that some one try to open a Kohls/capone store charge card, so i call the company and they transfer my call 7 time, because of this, low service not helping at all people information, i call the Corporate Department, now here they transfer my call to another office ware no one can pick the phone. Some one steel my information in XXXX, ... .and i report this to credit credit bureaus..nut i also need some paper work from Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, 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 2017-12-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.

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 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.

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 2017-12-15 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: Coinbase, Inc.
State: MD

Complaint narrative:
My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Payday loan 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: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
XXXX XXXX CALLED ME AGAIN AND LEFT ANOTHER THREATENING VOICEMAIL IMPERSONATING A COURT OFFICIAL AND THIS TIME ALSO INCLUDED MY SIGNIFICANT OTHER, XXXX XXXX. HER PHONE NUMBER IS XXXX. 
THE COMPANY NUMBER FOR ADVANCE AMERICA THAT SHE GIVES ME IS : XXXX SHE STATED THAT ALL OUR LEGAL RIGHTS ARE FORFEITED THAT WE WILL BOTH BE ARRESTED FROM OUR PLACES OF EMPLOYMENT AND THAT WE WILL NOT BE ABLE TO DISPUTE THE CLAIM AT ALL. 
THIS WAS AFTER WE CALLED AND TALKED TWICE WITH THE REP FROM THAT NUMBER AND OFFERED TO PAY STARTING IN XXXX WHICH THEY REFUSED. 
THIS IS THE THIRD TIME THAT XXXX XXXX HAS THREATENED US WITH PUBLIC EMBARRASSMENT, BEING ARRESTED, AND HAVING NO LEGAL RIGHTS. MY FIRST COMPLAINT THAT I FILED WITH YOU HAS THE REFERENCE NUMBER : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.

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 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 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: MD

Complaint narrative:
At about XXXX on XX/XX/2017, I transferred funds ( {$100.00} ) from my Bank of America account ending with XXXX to my XXXX XXXX credit card because it is the only checking account that I maintain and it is linked with my XXXX XXXX card. 
At the time I did the transfer, the balance in my account showed that I had sufficient funds to complete the transfer, because when I did the funds transfer, it went through. 
The following morning, at about XXXX XXXX ( XX/XX/2017 ), when I checked my bank account balance, I noticed that Bank of America has charged me {$35.00} late fees. I immediately went to the bank ( see a screenshot of my account ) to replenish my account. 
As soon as I added funds to my account, I called my bank to dispute the charge and request that the fees be reversed. 
I 'm disappointed that Bank of America refused to reverse the late fees. 
Hence, the reason for my complaint.

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 2017-12-15 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: TX

Complaint narrative:
XXXX XXXX Acct # XXXX amount XXXX DateXX/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 2017-12-15 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: TX

Complaint narrative:
error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent 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 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLD KEY CREDIT, INC.
State: NY

Complaint narrative:
I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief