vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 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: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, equifax, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On Thursday, XX/XX/XXXX, I went online to check my account. A message was displayed that indicated the account was disabled and to call a phone number. I called the number and there was no answer. It was XXXX XXXX. On Friday, XXXX XXXX, I called the number. It was the Risk Closure Department. I was informed that Bank of America had decided to close my account. They reserve the right to do that at any time without explanation. At this time it was frozen and was scheduled for closure on XX/XX/XXXX. I told the representative that I had a Social Security Check scheduled to be deposited on XX/XX/XXXX and a pension check on XX/XX/XXXX. She told me to call the Risk Closure department on the morning of the deposit and they would put in a request for disbursement of those funds. She indicated that I would be able to pick up those funds at a branch office later that day. 
On XX/XX/XXXX I called the Risk Closure Department to make the above mentioned request. The person I spoke to said it would take 1 - 3 business days to get a response. For some reason they would not count that day as day 1. This meant that the 3rd business day would be Monday, XX/XX/XXXX but I could call each day to see if there was a response to my request. I called every day and have done so since and there is still no response to my request. Today is XX/XX/XXXX, 6 business days and no response. They are now telling me that usually no response means that they are going to wait until the account is closed and mail a check at that time. For me that is XX/XX/XXXX. 
On XX/XX/XXXX, I received a written communication from Bank of America regarding this situation. It was dated XX/XX/XXXX. The letter outlined what was happening and what to expect. One item in  particular was a statement regarding scheduled direct deposits. It states " We won't accept direct deposits into your account ''. Well they accepted both my social security check and pension check into the account so they are now tied up in this process. If they had returned them, I would have been issued paper checks from those agencies long before XX/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 explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
As a result of a previous CFPB complaint submitted by myself and Congressman XXXX 's office ; Mr. Cooper, my loan servicer, provided the attached resolution. The resolution dated XX/XX/XXXX on page 2 states that they would re-instate my loan modification if I paid them {$36000.00}. This amount, per the attached resolution covers payments from XX/XX/XXXX through XX/XX/XXXX. I submitted the full amount with certified funds on XX/XX/XXXX. It took a few weeks for the funds to post. I have had over a dozen calls with Mr. Cooper since. Most recently I was told that despite the attached resolution, they made a mistake and I owe an additional {$9300.00} due to a mis-applied payment on XX/XX/XXXX. 

I have since made payments for XX/XX/XXXX through XX/XX/XXXX.  Because I complied with their resolution, and their mistake occurred over a month prior to issuing the resolution, I believe my account should be considered as current. This is simple contract law - they made an offer, I accepted their offer and paid the requested amount in full, they accepted payment thus accepting the contract. 

As part of the HAMP modification process, Mr. Cooper and the Lender had the ability to reduce the principal amount and/or reduce the amount of interest accrued in addition to what they provided. My original interest rate was 6 %. Applying the new modified rate to the past due amount would have resulted in savings much greater than the {$9300.00} mistake they claim to have made. 

In addition to the simple facts above, I was happy to have this resolved after years of trying and after actually having them foreclose my home. I was within about 30 days of being evicted with my 2 children. I have spent more than XXXX dollars in legal fees, have been physically/mentally damaged from the foreclosure process, and lost my fiance due to the mortgage issues which they classified as a " miscommunication. '' I would appreciate some support to get this issue resolved without me having to proceed with further legal proceedings to fix this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I would like to inform capital one of my financial hardships is why I got behind on my credit card payments. And I am unable to pay off the balances at this time. I am in the process of selling my home and when I get the money from my home selling. I will pay off all 3 credit cards that i had. But only what the credit limits were. Not late fees or interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
didn't recieve enough information to verify debt

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 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have contacted a person for apartment, she is asked me to send the deposit then I have her deposit in three transactions through XXXX Transfer, later she is answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I contacted PENFED credit union by sending them a cease and desist letter, I currently am only receiving SSI and can not afford to pay them back. I am being Harassed by this company as they call me everyday twice a day. This is causing me a lot of stress and anxiety. I can not pay them back and my case work informed me that my income is also garnish proof. I am reseeding a cease and desist letter today.

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 2018-12-06 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: VA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Opened a new account with BB & T on XX/XX/2018 under a {$150.00} incentive and have met the requirements and have not received the incentive. Have message the bank multiple times and the customer service representatives were unable to provide more information. I have attached the documentation where I have met the requirements.

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 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
When I submitted my complaint to the AG of Oregon a case was automatically created in CFPB and sent to SunTrust. The summary section I wrote was for the AG, but the attachments had 3 requests. 1. Fix our credit 2. Remove the approx {$760.00} charges on the loan that is now serviced by XXXX. and 3. reimburse me {$100.00} for the property damaged caused. 

XXXX XXXX contains the attachments that reference all three requests but only the credit request was addressed. 

This complaint is regarding the problem with the Auto Drafting system of Sun Trust.

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 2018-12-06 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: CA

Complaint narrative:
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Opportunity Financial, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I certified mailed a dispute letter to XXXX XXXX to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports, respond to my letter which I can prove they received, and that they did not send any information verifying the debt to me that would prove and hold up the erroneous claim that I owed them to begin with, or have negative accounts with them. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

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 2018-12-06 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: CA

Complaint narrative:
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: First Associates Loan Servicing LLC
State: VA

Complaint narrative:
I went to XXXX XXXX and that school shut down due to Fraud. My Degree in XXXX XXXX is worth nothing to me since we didn't learn anything. Our professors and teachers gave us the answers to all of our exams. Everyone in our class always passes with great numbers. I don't anyone ever got a C in any of our classes. everyone passed with an A or a B at most. I am now stuck with a huge student load and not working in the field I went to school for. It's like I took out a loan for absolutely no reason. 
I am the only one working in my household and supporting XXXX kids, wife and a Grandmother. I do not have the fund or make enough money to make this monthly payment. I have spoken to the company who holds my loan and told them my situation. They have not done a single thing expect gave me a 2 month deferment and then raised my monthly payment. If I couldn't afford the original payment how can I afford a higher payment. 
I need some help and any help world be highly appreciated by my family and I Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am victim of identity theft. I reported ID Theft to all 3 credit bureaus. I had accounts/inquiries on my credit report which was ID Theft. XXXX & XXXX removed those inquiries/accounts. However, EQUIFAX did not. The investigation did not result in anything but them not removing the account. I really need this account/inquiries to be removed since they are not mine. I spoke to them numerous amount of times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
This is really a marketing compliance issue. Guild is offering kickbacks on their 97 % LTV loans - in addition to this, their licensing info isn't on their material. This is appearing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened my checking and savings account on XX/XX/18 using a link on the Citi website promising a bonus of {$400.00} if I would deposit {$15000.00} into my checking account and keep it there for 60 days. According to the terms of the offer, the {$400.00} bonus would be paid out within 90 days after the 60 day time requirement was met. That 90 day deadline is XX/XX/18, and the bonus was not paid within the promised timeline. 

I'm attaching the transcript of an online chat I had with one of Citi 's representative 's which confirms the facts that I met the terms of the offer, the dates involved, and the bonus hasn't been paid yet.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT IN A PAST AND THESE UNKNOWN SUSPECT ( S ) USED MY PERSONAL INFORMATION AND FRAUDULENT ADDRESS TO OPEN SEVERAL CREDIT ACCOUNTS UNDER MY NAME WITHOUT MY KNOWLEDGE. I DID NOT RECEIVED ANY BILLS OR LETTERS UNDER MY CURRENT ADDRESS WHERE I HAVE BEEN SINCE XX/XX/XXXX. IN XX/XX/XXXX I WAS TRYING TO LEASE A VEHICLE AND A DEALER INFORMED ME THAT THERE ARE THREE NEGATIVE ACCOUNTS IN MY REPORT. I HAVE CONTACTED CREDIT BUREAUS AND PLACED A FRAUD ALERT. ALSO CONTACTED A POLICE STATION ( REPORT # XXXX ) AND FEDERAL TRADE COMMISSION. ALL THE PAPERWORK WITH MY IDENTIFICATION I HAVE FORWARDED TO CREDIT BUREAUS. I GOT A LETTER FROM XXXX AND XXXX XXXX CREDIT BUREAUS THAT THEY HAVE INVESTIGATED THIS MATTER AND DELETED THESE FRAUDULENT ACCOUNTS FROM MY REPORT. EQUIFAX INFORMED ME THAT IT COULD TAKE UP TO THREE MONTHS THEY TO REMOVE THIS INFORMATION. LAST MONTH I WAS TRYING TO GET A STUDENT LOAN AND I HAVE NOTICED THAT EQUIFAX DID NOT REMOVE THOSE 3 NEGATIVE ACCOUNTS FROM MY REPORT SO I HAVE BEEN DENIED TO GET MY STUDENT LOAN. I HAVE CONTACTED EQUIFAX BUREAU AND THEY VERY RUDELY INFORMED ME THAT WILL NOT INVESTIGATE THIS MATTER SO THIS INFORMATION NEEDS TO STAY IN MY REPORT FOR ANOTHER TWO YEARS. 
I HAVE ALL THE PROOF FROM THE INVESTIGATOR THAT I HAVE NO CONNECTION WITH THESE ACCOUNTS. NOW I HAVE CHOICE BUT TAKE THEM TO COURT FOR THEIR NEGLIGENCE BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts received disputes 3 disputes for the account entry reflected on all of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. This account is not mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, my third attempt at communicating with them, I requested a copy of the financial responsibility page, copy of signature with the provider of service to release medical information and for any bureau reporting to cease until the debt had been validated by me. Again, to date, to no avail. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation