vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a credit card with Bank of America # XXXX. 0n XX/XX/20 I get a cash advance for {$500.00} ; I was charged {$25.00} fee -- that was understood. On the same dayXX/XX/2020 I made a payment of {$500.00} assuming the payment will pay-off the {$500.00} cash advance, but the account activity with BOA did not enter the transactions in the order they occurred. The {$500.00} I paid was credited to the account on XX/XX/20 reducing my delayed balance of {$2000.00} that was interest free until XX/XX/20 to {$1500.00}. The {$500.00} cash advanced was entered into account activity 2 days later 0n XX/XX/20 thus the payment I made on XX/XX/20 did not go to pay it 0ff. By not crediting the account on XX/XX/XXXX for the cash advance, the {$500.00} was bearing interest from the day it was taken from the ATM machine with an interest charge {$9.00}. had Bank of America followed common accounting practices and entered the {$500.00} cash advanced, it would have being paid with the {$500.00} I made the same day and I would not be paying interest on the amount. Bank of America manipulate account entries to suit them. 

On XX/XX/20 I charged {$400.00} which I paid on XX/XX/20 under the 25 days grace period, offered by all credit cards and I was charged {$5.00} for that amount and got {$4.00}. This constitute fraud in cash back promises. 

Called Bank of America many times and the phone was hanged-off with the excuses they could not answer call right away.

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 2020-04-13 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.

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 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
Air force and Army Exchange has repeatedly confiscated my federal tax returns through the Treasury Offset Program since XX/XX/XXXX for a ( {$1000.00} ) debt incurred in XX/XX/XXXX. They have not reported or updated information to the credit bureau for several years, and it appears nowhere in either open or closed accounts. They have not provided me with reciepts, or balance sheets, or account statements of any kind, by any means at any time since XX/XX/XXXX. My XX/XX/XXXX return was only partially confiscated, and I recieved what was left over, indicating the account was paid off. This year my XX/XX/XXXX tax return was just confiscated in it's entirety, {$940.00}, and I was given no record of amounts owed, paid, or received, and this account can not be found on any credit reports. I believe they are fraudulently churning old accounts, and stealing the money whenever they want. In my attempts to contact AAFES or Military Star Card customer service, they claim to have no information of me ever having an account, and claim I am not in their system. I do not know how to resolve this matter in any any other way than to use my Protected Veteran Status to begin legal action against AAFES, TOP, and the IRS. In regards to my XX/XX/XXXX tax return theft TOP, Trace # XXXX and Account # XXXX Please help me get my XX/XX/XXXX tax refund returned to me as it was confiscated through illegal means.

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 2020-04-13 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: NE

Complaint narrative:
They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.

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 2020-04-13 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: CA

Complaint narrative:
The Equifax company refused to provide me my free credit report even after verifying all my information over the phone. Also, refused to provide me means to submit requested additional documentation online forcing me to ignore the XXXX County stay home order by physically leaving my house to mail documentation. Additionally, XXXX refused to open a checking account because inaccurate information that Equifax has. I was unable to dispute any information with Equifax since I am unable to obtain information from them and I do not know what to dispute. The Eqifax only solution is to resolve the issue via US postal mail which I think could take months preventing me to take care of my basic financial need during this difficult time. 

Because of this issue I am unable to open a checking account in order take care of my basic financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: IA

Complaint narrative:
I had identified theft in XXXX, in XXXX I noticed Equifax had changed my DOB to the fraudulent one XX/XX/XXXX. Only Equifax has not corrected this after the identity theft. My DOB is correct with XXXX   and XXXX. Equifax informed me that one of my creditors is reporting my DOB wrong. I have called all of them on my report and none of them have that as my DOB. I filed a complaint with Equifax and certify mailed them my SS, birth certificate and driver license. They have still yet to correct! 
XX/XX/XXXX Received letter from Equifax that they corrected my DOB. 
Noticed in XX/XX/XXXX that Equifax had changed my DOB back to the fraudulent one. 
Filed another claim with Equifax and received confirmation again on XX/XX/XXXX that they corrected the error again, receiving Confirmation # XXXX. As of today, my DOB is still incorrect causing me unable to obtain credit due to the fact they can not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: NY

Complaint narrative:
Gatestone has been collecting on an XXXX XXXX account. Earliest record I have from them is dated XX/XX/XXXX with an account balance of XXXX. Over the past 3.5 year i have been paying them a scheduled XXXX/month. I recently changed payment amounts to XXXX $ /month. I have always been in contact with them. I have requested multiple times over the 3.5 years that they call no other numbers besides my cell as the others associated with my account, that they read back to me, were family, friends, or previous employers. I answered a phone call on my cell phone XXXX from Gatestone XXXX at XXXX on XX/XX/XXXX for a duration of 9 minutes. On XX/XX/XXXX at XXXX XXXX  I received a call from Gatestone XXXX that I answered on a 'virtual ' telephone number XXXX issued by XXXX for XXXX XXXX and tied to an email account ; I just happened to be in that account when it 'rang '. I asked Gatestone rep. XXXX XXXX ( phone call recorded ) why he was calling that specific number and what other numbers was he calling. He then informs me that he has left messages on other voicemails stating that it's 'Gatestone ' before I spoke with a Rep on XX/XX/XXXX. Gatestone was calling these numbers from XX/XX/XXXX through today. XXXX confirmed and read the telephone log. My XX/XX/XXXX payment was received sent XX/XX/XXXX. My next payment of a min of XXXX $ is due XX/XX/XXXX. Why is Gatestone calling around, leaving voicemails, when my next payment isnt due until XX/XX/XXXX. How is it legal? Did Gatestone or its Parent companies take any money from the CARES Act. This account is still held by XXXX XXXX as I still get billing statements from them. XXXX told me ( recorded ) he was calling from Canada and but Gatestone was Founded in XXXX and is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. Current Balance on account as of XX/XX/XXXX less than XXXX $ from XXXX Phone call recording from XX/XX/XXXX at XXXX with XXXX was XXXX but XXXX and I was unable to upload, I will try and Compress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My Bank, Navy FCU sent me a very misleading email offering auto loan refinancing for rates as low as 1.79 %. When I clicked, learn more the page directed me to sign in and apply. 

The approval interest rate came back for 3.89 % which is the same rate I currently have with another bank. I called and found that the 1.79 % only applies to New cars being refinanced. 

I feel that this advertisement is very misleading. This caused me to have a hard pull on my credit report for no reason or benefit to me. If the initial email would have differentiate between new and used rates starting point, I would clearly have identified that the used car interest rate was the same as the one I had currently and never would have applied. 

Now, I am affected by a hard pull to my credit report that will not fall off for 2 additional yrs. this is misleading and unfair to consumers. Particularly, how calculating the email and site directed to was set up. I feel totally bamboozled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I been out of work for 5 weeks. I do receive ssi about {$530.00} a month. But right now it's just enough to pay my rent and food bill. I have made numerous calls to check n go but I have not been able to get my payments deferred until I get some money I always pay my bills on time nothing I can do right now until the economy open up or I get unemployment I'm waiting on stimulus check nothing came yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: NE

Complaint narrative:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

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 2020-04-13 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$1500.00} with XXXX XXXX XXXX XXXX on my credit report. This is not my account. I have disputed this debt several times with the credit bureau.

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 2020-04-13 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: CA

Complaint narrative:
My complaint is about charges made to my Bank of America account in the amount of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As of XX/XX/19 the company is no longer in services shut down by the FTC and I was promised services for the big holiday weekends to help with sales and marketing. I have no access to any of my notes lessons and mentors for which I paid for my advanced education. Everything was at introductory level I never received my advanced education I richly invested in. I paid for 24 hours access to educational resource center ( website taken down by FTC ), Lessons with perfecting your pitch mentor which only happen once a month I received one introductory call. I paid for 10 Customized Mentor Calls for which the package was made for ( I only got one introduction call, my first call was only 10min, ( not what I invested all this money for. ) I  received XXXX  XXXX XXXX build logo and XXXX XXXX XXXX XXXX XXXX for one year to help with sales ( I no longer have access and never got landing page ) I was to have a XXXX XXXX  XXXX XXXX XXXX webinar and streaming ( never got that service worth over 6,000 ),  social media jumpstart working with a social media mentor ( only one introductory call and one assignment call which the company closed before we completed the task ) I was given a guarantee certificate to triple my investment of my tuition price XXXX which XXXX was charged to B of A account on XX/XX/19. On XX/XX/19 I also received a service commitment to see 100 % of my advance training back of XXXX which XXXX, was a debt of this service charge. Because of the companies fraudulent motives B of A has shut down my credit account due to utilization of my credit being too high and too many cards with balances which prevented me from being able to use my credit to start my business which was the sole purpose of getting the capitol. This too the company promised me and has failed me and left me with a bill Im disputing.

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have no knowledge of this debt information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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: EQUIFAX, INC.
State: NE

Complaint narrative:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

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 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I am receiving phone calls and letters in the mail regarding a debt that is not mine. 

It is the result of Identity Theft.

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 2020-04-13 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: NV

Complaint narrative:
After I tried to refinance my home loan recently I found out Expienan had wrong information about me. Despite multiple attempts to contact Experian I could not reach them. They could not even verify my identity online after I gave them my SS # DOB and address! I was turned down by the lender. How can such a careless and inept company handle our vital credit information!

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 2020-04-13 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: NE

Complaint narrative:
They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.

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 2020-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, a banker from Sallie Mae called a number that was not on the loan application asking if they knew information about the cosigner of the loan. The individual they called knew the cosigner but had no history with Sallie Mae. Salli Mae informed me that they were allowed to do that, but that is 3rd party violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: EQUIFAX, INC.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$410.00} for XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureau.

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 2020-04-13 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: NY

Complaint narrative:
XXXX ( XXXX XXXX  ) is reporting an account that was paid off over a year ago. It updated information on my Equifax report as being late 119 days which isnt true. I paid in full the charge off account. I wasnt getting no statements from this company. They deleted the accounts off my XXXX  and XXXX. Why are they still reporting on my Equifax. Why was information changed XX/XX/XXXX if it was charged off XX/XX/XXXX and paid off XX/XX/XXXX. This account is ruining my credit score with Equifax. I want it deleted for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: EQUIFAX, INC.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$40.00} for XXXX XXXX XXXX. They are reporting the debt twice on my credit report. This is not my account. I have disputed this item several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I opened this dispute, I didn't realize I would be punished for doing so. In effect, I have been. 

After the dispute, nothing changed on my report except for the " On Record Until '' date. Before the dispute it was XXXX, XXXX. Now, after the dispute, the " On Record Until '' date is XXXX, XXXX. 

So now I have to wait an additional 5 years for this to be removed from my credit report, JUST because I opened a dispute? 

Can you please just reset it to what it was, so that the report is removed from my file in 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