vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
All my loans have been paid off not charged off they were paid in full by another company I got a loan from to pay the loans off and they were not sent to a collection or charged off but this is why they keep reporting on my repost and actually since COVID began resident said they were not to report negatively till XXXX and every month they have been reposting to my credit negative this is wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed a collection account with company XXXX XXXX. The account was investigated and found to have violated the FCRA. The account was removed from XXXX  and XXXX  however Experian continues to report this collection account. The account isn't even marked as " disputed ''. This is a direct violation of the FCRA.

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 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit limit increase rejection letter says they are still evaluating their internal limits. There is no reasoning that has anything to do with my personal credit score or history. 

After my first complaint, they just resent the same letters back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter to dispute XXXX XXXX. TRANSUNION NEVER RESPONDED TO MY REQUEST. PLEASE DELETE FROM 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 2020-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I graduated from XXXX  school in 2008. I had to have my parents co-sign for my student loans because of my credit at the time. I have 7 personal loans, which were taken one at a time. In the past 3 years, Ive never missed a payment or paid late. In fact, I think that over the 10 year life of these loans, only one payment was ever late. That was because our bill pay got set up late. I took forbearance time after I had babies and was on unpaid maternity leave. At this moment, my credit score is XXXX, and I just bought a XXXX house BY MYSELF with XXXX XXXX. But Navient will not remove my co-signers, despite 10 years of payment history. They have determined that my credit is unsatisfactory. The other thing they said was that my debt was too high. Part of the debt is theirs and other student loans ... XXXX  school wasnt cheap. Come on. But find me ANY late payment on my credit. There are NONE. 

In essence, despite 10 years of excellent payment history, they are holding my parents XXXX. I need help getting my parents released from my debt. There is no actual reason to have co-signers on a loan for a XXXX year old who is making payments on time, is gainfully employment ( I have them documentation of employment ), and has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: CA

Complaint narrative:
I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.

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 2020-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Refinanced home along with escrow balance with XXXX XXXX  ( Closing date XX/XX/2020. Signed closing papers on XX/XX/2020 ). XXXX XXXX  transferred mortgage with escrow account to XXXX who assigned TMS ( The Money Source ) to service loan on XX/XX/2020. Made payment including escrow to TMS on XXXXReceived XXXXcounty notification to pay taxes due since XX/XX/2020. Contacted TMS over the phone to notify them to pay property taxes as they are holding the fund in escrow at least 6-7 times including a supervisor on recorded line who mentions ' Honey! Your loan is transferred to XXXX XXXX we have nothing to do with it anymore ..etc '' Contacted XXXX XXXX XXXX several times who could not find the transfer anywhere in their system even with the transfer account number provided to me by TMS. Called TMS again several times to make them aware of it and need for paying property Taxes ( Since they mentioned it may take 60 days to complete transfer and I am already delinquent to pay taxes ) with no clear directives or solution but mostly beating around the bushes so to speak. Contacted XXXX  XXXX  3 times who gave me a case number and escalated the case but no result so far. Contacted original lender via e-mail with no response so far. Please advise! Please help! It can not be a NORM in the process, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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 — Investigation took more than 30 days
Company: Global Portfolio Recovery, LLC
State: NJ

Complaint narrative:
I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.

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 2020-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Is been longer then 30 days. They did not provide me with no affidavit of truth nor any exhibits in this matter. I sent an affidavit of truth with exhibit stating how they violated the title 15 USC 1681b ( a ) ( 2 ) they did not respond to the violation of the Fair Credit Reporting Act violation that was addressed and brought to their attention.

No. VERIFICATION. Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposi- tion. McNamara v. Powell, Sup., 52 N.Y.S.2d 515, 527. I am the original creditor and this account was not verified with the original creditor so pursuant 15 USC 1681a ( 2 ) ( A ) ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report is excluded. Transunion violated.

Pursuant 15 USC 1681a ( 2 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. HOW WAS THE INVESTIGATION CONDUCTED AND WHO DID YOU INTERVIEW? 

Transunion is using unfair and inaccurate information on my consumer report. The response is not what I asked for. My affidavit of truth and exhibit addressed who gave them written instruction to have this account that is inaccurate because I have no value in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket. 
Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Since the month of XXXX we have suffered a GLOBAL PANDEMIC where all international trade was affected and the entire WORLD stopped. 

At the end of XXXX I suffered from XXXX, I was in XXXX XXXX with an XXXX XXXX for almost 5 months and I did not manage my Bank of America account or make use of it, which I have been a client since 2015, when I opened my account without SSN as a tourist and there was no objection to opening it. 

At the beginning of this month, already recovering, I tried to contact the bank and it was impossible since I am a XXXX citizen and due to the telephone blocks it was impossible, I turned to customer service through XXXX and they answered me AFTER 5 HOURS, they could call me to tell me that in Effectively they closed my account and the only way to open it was to go to an office in the USA, ( which I can not do since flights to the USA are limited ), or open an account online. 

I started trying to open my account online and it was impossible because to open it I need an SSN, now ... in their policies there is a contradiction, since I opened my account in 2015 without having an SSN and to open one online I need to she. 

I have lost work commissions in these months since I am dedicated to the XXXX XXXX XXXXXXXX XXXX, I have had a great contract and I lost it because I did not know where to send the money from my work commission, the treatment for the attention they gave me was very discriminatory and blunt, it can not be possible that the bank and its policies are contradictory, the damage that has caused me to lose a sales commission of approximately {>= $1,000,000} for not knowing where to send that money and the little reasoning for part of them has made me exhaust the resources to proceed to write to you, I am NOT an American citizen, I am XXXX  I have been in your country on several occasions but I am a consumer of an American banking product and I feel I have to seek protection from you already which is an injustice to me and who knows how many more people will do the same daily. 

I thank you for your kindness in reading 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 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair 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 2020-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After years of reporting incorrect information by Bank of America, branch @ XXXX XXXX XXXX, XXXX, Ca. XXXX, ( Manager ). 
Falsely reported unpaid balance when there was no balance. 
This reined my life financially. I have sense had this item removed from my credit after 5 years. 
I am currently trying to recover damages and loss due to this illegal action taken by Bank Of America. 
Now, refuse to allow myself to open an account with giving a reason further damaging my financial well being out of " spite ''. 
Manager accused me of entering Bank to look at female Tellers this is sexual harassment and embarrassment. 
Bank Manager said to me " they should not have closed your account for reason given. 
Bank used Credit Reporting agency to prosecute me illegally and for a crime I did not commit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
On XX/XX/20 I paid this account in full through a settlement and was told it would be deleted. Please help get this removed Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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 — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 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: FL

Complaint narrative:
In 2017 after Equifax had the worst security breach in history, I was a Victim. To this day with over 18 Inquiries I have been trying to correct for six months now no no avail. I even contacted XXXX to have the fraudulent inquiries removed from my Equifax credit report and a month ago they agreed. Equifax also agreed and nothing even gets done. In fact do you want to hear something so crazy? Equifax has an internal error in their database called Credit Splitting that happens as they have discussed with Equifax, when a consumer report gets too large in data. Giving the lender only half of the information and hurting or coming in the way of the application process getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: LA

Complaint narrative:
On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX and I would like to share an occurrence that happened to me while conducting business with Bank of America. I hope that you are able to help me investigate my claim further because Bank of America has stated that I can no longer file any additional claims regarding my case. I really hope that you can help me. 

XX/XX/XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit {$5000.00} in cash. The branch was not open so I used the ATM machine to deposit my cash. The ATM ID is XXXX. My ATM card and cash were inserted into the ATM. The machine jammed as it was counting the cash I inserted. I called customer service to file a claim. I was on the phone with customer service for 40 minutes and stood in front of the ATM for the duration phone call. I was told that the machine will reset itself and my ATM card and cash would come back out after 15 minutes. After the ATM reset, only my card came back out. The cash I deposited did not come out, nor did any receipt come out. I was told by customer service not to worry, and no more money could be inserted into that machine until the machine was looked into by BOA. I was issued 2 temporary credits. The first credit was issued immediately for {$300.00}, and the second credit was issued for {$4700.00}. 

XX/XX/XXXX I received a call from BOA telling me that my claim has been denied. I escalated my claim and it was denied again on XX/XX/XXXX. I was told that after further investigation, it did not appear that my body language appeared as if anything was wrong when I was using the ATM, and also that no additional funds were found after auditing. After the credit was denied again and having the temporary credit revoked, my checking account now has a negative balance. After some review, the bank only rescinded the second temporary credit of {$4700.00}, and did not rescind the first credit of {$300.00} which I thought was weird. BOA is saying that I have to bring my account back to a positive balance by XX/XX/XXXX. If not, the negative balance would be sent to collections. I have been in touch with customer service every 2-3 days since, and I was finally told that I could not file a claim or escalate this case anymore. 

I hope that you are able to help me investigate my case further, as {$5000.00} is a lot of money for me. I am also not doing too well financially and I hope that you can help me look deeper into this case. I trusted the bank I was using, I used the ATM according to BOAs guidelines, and I was on the phone with someone during the whole process and followed the guidelines, but now I am out {$5000.00} from using BOA. 

Thank you

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 2020-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I lost the bill sent to me by the medical provider and subsequently forgot about it and didn't pay the bill. When notified that the bill was outstanding I paid the medical provider.

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 2020-11-26 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: CA

Complaint narrative:
XXXX and equifax, XXXX, and XXXX  continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.

Company response to consumer: Closed with explanation