vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

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 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: AZ

Complaint narrative:
During XX/XX/2020 Target Cash Now had approved a loan application claiming they spoke to me on the phone. I have phone records that prove otherwise. The fraudulent loan application contained my stolen identity ( name, address, social security number ) as well as a false or someone elses drivers license. The employment information is false. The email address supplied has been inactive for years. The XXXX  XXXX XXXX account specified in the loan application is not mine. I have spoken to Target Cash Now agents multiple times, sent emails with police incident number, FBI IC3 report, FTC ID theft reports. My first email was sent in XX/XX/2020 which was followed by a USPS mail of the same material ( return receipt received ). I have never received a response from them nor have I received the loan number and the loan documents for my investigation into this matter. Each time I call for an investigation update, their agents dont have an update. Since XX/XX/2020, a second set of documents was both emailed and sent by USPS mail during XX/XX/2020 containing my personal investigative findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: NV

Complaint narrative:
I am refinancing my home loan through Bay Valley, Lending who uses XXXX XXXX XXXX company. I was supposed to get a wire sent to my bank on Wednesday XX/XX/2020. As of XXXX XXXX  on XX/XX/2020 I still have not received the wire. The Title company has not received the funds to wire. I have called and e-mailed numerous times to get the status and was told they would get back to me. That hasn't happened. I am worried I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: LA

Complaint narrative:
1. XXXX XXXX- account closed XXXX XXXX, XXXX Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay. 
2. XXXX XXXX Account closed XX/XX/XXXX - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
My home loan was transferred to Ally Bank on XX/XX/2020. I still have heard nothing from Ally Bank regarding mortgage payments to this new servicer. I can not make payments online b/c I have not been provided a loan # by Ally Bank. I can not reach anyone through any of the phone numbers I can find for Ally Bank. The automated line for Ally Bank states that my payment is overdue and that Ally Bank is attempting to collect a debt. I suspect this may be fraudulent activity on the part of Ally Bank.

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 2020-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi. I need some help. I was the victim of XXXX XXXX a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. 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 explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America credit card for up to a {$21000.00} credit limit and never used it. The annual renewal notice came due of {$80.00}. It was supposed to be taken from my bank account automatically. I have no idea why it was not. I was then hit with ( 2 ) 30 days, ( 1 ) 60 day, ( 2 ) 90+ days, and ( 1 ) 120+ days on my credit report and damaged my credit report and score *and* they closed the account. I had no idea it was not paid. It was on auto pay. And they never let me know. Keep in mind this account had a {$0.00} balance, {$21000.00} limit, and was never used. This caused my credit score to drop by over 100 points. I called Bank of America several times to resolve, offered to pay this small recurring fee of {$80.00}, and they said they were going to do it, and didn't. I then followed up more times and they said " there is nothing we can do. '' I own my own home, was going to refinance, and this drastically changes everything.

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 2020-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
Cares act directed all student loans to be placed in forbearance and allowed for refunds of automatic payments past XXXX XX/XX/2020. I requested the refund as the forbearance time did not affect my PSLF and payments would be made under the fares act. My email request was never answered but when I called 4 months later asking why it had not been acted upon they said it is always better to call directly. I explained that I had used there email option due to XXXX XXXX military move and they said always call. I am disappointed with the response in that they had an email option to request refund. I feel this is predatory in nature on fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX in 2015 gave me a loan modification they put {>= $1,000,000} or more into my balance they claimed it was for escrow missing payments home insurance some money to pay their lawyers and they claimed to people that was taking care of the house charges that they made up I started to make my monthly payments even that they gave me a payment I can afford 2 mounts into the new balance at this point they have made 2 loans one no interest no late fees no extra charges but my due date was the first of each month so it always looked like a late payment or missing payment 8 mounts ago XXXX XXXX XXXX sold my mortgage to XXXX XXXX and shellpoint mortgage services and since the first day this fraudulent company keep sending me a different amount Extra charges late fees and any other charges that XXXX XXXX XXXXXXXX couldn't charge I contact them and I asked them which mount I'm supposed to be behind but when I sent them the probe of that mount they keep saying it is another month they claimed is escrow but every year they adjust it if may home insurance go up or my taxes my payments started at the beginning of my new mounty Payne was {$1400.00} and this days I'm paying {$1600.00} and they say it is because the escrow they keep claiming I owed them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was supposed to receive a {$500.00} bonus offer for meeting specific requirements when opening a new business checking account with Bank of America. I confirmed in XXXX that all of the requirements had been met : To earn the {$500.00} bonus : Make Qualifying Deposits* of {$20000.00} or more into your new business checking account within fifteen ( 15 ) days of account opening ; AND Maintain an average balance of {$20000.00} during the Maintenance Period** ; AND Make XXXX XXXX XXXX ) Qualifying Electronic Payments*** that are posted to the new checking account by the end of the Maintenance Period. 

However, there was confusion surrounding the new money deposit, which I moved directly into my existing personal checking account from an external source ( XXXXXXXX XXXX ) and transferred to my new business checking account as confirmed from a representative. 

The bonus offer was rejected several times even though the representatives acknowledge that I am correct. But the process is that they flag the issue for 'escalation ' and it has now been rejected several times. Despite being owed the bonus, I can not circumvent the process despite speaking with customer service ever other day from XX/XX/XXXX through XX/XX/XXXX, attempting to resolve this matter. 

I finally threatened to file a claim with CFPB if we can not resolve this, as this matter needs to be escalated outside of the Bank of America framework. 

My bank statements attached show the new money deposits from the personal checking account ( ending in XXXX ) came from XXXX XXXX and were sent to the business checking account ( ending in XXXX ). All requirements can be verified on the business checking account statement attached and the money was held above the XXXX balance per the next two statements attached.

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 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hello, On XX/XX/XXXX we pre-paid for a rental car in XXXX. With everything happening from COVID19 we were not able to travel due to canceled flights and and XXXX closing its boarders. We contacted the company many times via email and on XX/XX/XXXX we were told it would take 4 weeks for the refund to post because the company cant send too many at one time. On XXXX, XXXX we contacted the company for an update and we received an automated response telling us they closed their doors and we needed to contact a third party for the refund. we did this twice but no response. I called to dispute the transaction with Capital One XX/XX/XXXX I gave all the information and I was told I do not need to send anymore documents. I also was sent a letter telling me the same thing. ON XX/XX/XXXX I was sent a letter telling me my case was closed so I called and the agent told me the company replied to the case and said the charge was valid. which is odd because the company is closed and in XXXX so you cant contact them other than Email. So on XX/XX/XXXX I contacted Capital One I asked to speak to a manager and she confirmed I was sent the wrong letter and given the wrong information which is not fair that all the wrong things and info was given and I am paying to the mistake. I was told I needed to load my proof to a link that the manager sent to me that night so I did. The same day with in a few hours I got a notice saying my claim is closed. My document were not even looked at. I was then sent a letter and notice telling me to write in and sign the document and attach my proof. 

This is unreal and not fair seeing how the wrong info was given, my documents were not reviewed after I sent them and the proof I was sent back was only a screen shot from the travel website saying no refunds. SO AGAIN MY EMAILS WERE NOT REVIEWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XX/XX/20, I received van email from XXXX XXXX that I had a new hard inquiry on my XXXX credit report by Tower Loan, XXXX, MS . I did not give request or give permission. I phoned XXXX  to have it removed and they said Tower Loan needed to contact them to have the hard inquiry removed. I phoned Tower Loan and was told they couldnt reach me by phone and thats what lead them up to doing the hard inquiry. They stated they did it to find out if was woukd be able to make my monthly payments. I suggested sending me a letter rather than trying to ruin/damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX AMT :  {$760.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXXXXXX XXXX XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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 2020-07-17 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: IL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-07-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$0.00}, {$28000.00}, {$81.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- REAL ESTATE LOAN XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not my account.

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