vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
EOS CCA has been illegally reporting a collection account on my credit report. This account was paid nearly two years ago, XX/XX/2017. On the call with the company back then I recored the lady a total of three times assuring me if I paid the settlement that she would immediately notify the credit bureaus to have it removed/deleted from my account. Nearly two years later it still shows up as a collection on my credit file affecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GA

Complaint narrative:
Equifax continues to report tines fraudulent and incorrect information on my credit report. Proof has been sent as I do not owe the amount. Their conduct has been disrespectful, yelling and lying. There are times the collection agency did not respond and it should have went in my fair for the account to be removed.

I was told since the colectio agency identified my name and address nothing else mattered. There are no dates as to the rent the colection agency states I owe. Equifax has acted wrecklessly and violated my rights under the The Fair Credit Reporting Act. ( FCRA ) Proper investigation has not taken place at all. This has been going on for about 6-7 months or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have talked and talked to both the department of education and its servicer XXXX XXXX about identity theft and even researched it under the defense to not pay on their web site for the department of education and they just keep turning over this in accurate info to credit reporting bureaus like transunion no matter how many times it is disputed and my medical bill dispute I was assured it would be taken care of since I did not ask for a hospital to treat me for services I did not need like signing me up for XXXX I did not ask for and and still get a bill so much for integrity from hospitals both problems disputed and put on my credit report in accurately and used against me, over three times maybe the federal trade commission will stop the abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/2019 I leased a car from XXXX XXXX of XXXX ( XXXX ) ( XXXX ) XXXX, my salesman is called XXXX. I advised XXXX I would be moving to XXXX. He said no problem and I was approved by Mercedes Benz Financial Service ( MBFS ). I arrived in XXXX XXXX, XXXX on XX/XX/2019 and made an appointment with XXXX DMV. I was denied getting my registration. XXXX DMV advised I needed Power of Attorney ( POA ) from XXXX, an Odometer reading, and the title. I called XXXX & they advised me their Title Dept. lost my paperwork. 2 days later I got a ton of paperwork from XXXX with stickers that read " Sign Here '' and return to XXXX and they will send to XXXX DMV. I later went back to XXXX DMV who advised the paperwork sent to the from XXXX did not any signatures except for mine. No one from XXXX called me back the rest of XXXX. In XXXX, I was advised all paperwork was again sent from XXXX to XXXX DMA. On JXX/XX/2019, XXXX DMV advised the lessor had changed from MBFS to XXXX XXXX and they still haven't obtained a title or odometer reading. I have been calling non-stop to the dealer as XXXX DMV advised my car can not be driven until this is rectified. No one from Mercedes has fixed this issue and are now saying it will take 6 months or more to obtain the title. Thus, I can not register my car. I paid to have the car registered in XXXX, XXXX re-registered my car XXXX in XXXX  and not I have to start the entire process over. They are in breech of contract as they sold me a car with the notion I'd be registering the car in XXXX, but they can not provide significant documentation to allow me to drive the car. The intention on buying the car is to drive it. However Mercedes Benz can not  give me the documents I need nor did anyone tell me it would take 6 months to register the car in XXXX. Further, I ca n't drive the car if they have lost the title. I have been taking an XXXX to and from work due to their inability to prove originally stated paperwork to sell / lease the car to be based on the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been in repayment for my student loans with Navient ( formerly Sallie Mae ) since XXXX. I was told by a XXXX XXXX representative many years ago that after 25 years my loans would be forgiven. After I was told this, I wanted to verify it with Navient and the representative there lied and told me my loans would never be forgiven. Recently I received correspondence from Navient stating that after 25 years of " qualifying payments '' my loans would be forgiven. I sent an email requesting to know when my loans would be forgiven since I am nearing the 25 year mark and I was told it wouldn't be until the year XXXX. I am wondering why Navient did not disclose to me what the requirements are for " qualifying payments '' so that my loans could be forgiven after 25 years. My balance is now over {$300000.00} after years of interest growing at over 7 % and now they want to continue charging me interest until XXXX. Navient should have let me know what I need to do to meet the requirements of making " qualifying monthly payments '' so my loan could be forgiven after 25 years. I feel they have really taken advantage of me and are trying to make as much money off of charging me interest that they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019, I made an inquiry as to complete balance due to close my Bank of America credit card. After a very lengthy call and insisting on my part, I received the attached fax with the payoff balance of {$3600.00} as of XX/XX/2019. It was a real issue just to get the fax as B of A refused to do so initially. I paid off the full amount of {$3600.00} on XX/XX/2019 as B of A 's online system showed. There was also a credit balance of {$18.00} which made no sense, so on XX/XX/XXXX, I sent a letter confirming once again that they were to close the credit card account, mark the account as closed by customer and that should have been the end of it. Apparently one department at B of A does not talk to another as I have now received a bill for {$18.00} and a letter dated XX/XX/2019 closing the account and saying I would receive a refund of {$18.00}. No refund has been made. 

I have no idea what B of A is doing and don't believe they do either. I just tried calling and after 15 minutes of automated was told to leave a message and someone would call back in 29 minutes. Of course that has not happened. 

Hopefully B of A will listen to 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 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I requested information about refinancing my current loan from Wells Fargo to fix my interest rate in XX/XX/XXXX. XXXX - Rate was previously fixed between XXXX - XXXX upon which rates began increasing. 

The rep gave me information about the refinance options, clearly telling me that my debt to income ratio precluded me from refinancing without a co-signer. Info was sent to me about getting a cosign. I did not follow up because I can not at this time. 

Since that time ( XXXX - XX/XX/XXXX ), I've received daily robo calls re : my loan " options. '' When I stay on the line and am connected to a person, I ask what company they represent upon which the call is terminated. When the call goes to voice mail, the option to be removed from the call list is also the key in to delete the message. 

This is egregious, annoying, and obsurd. Please advise.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

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 2019-06-24 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: TX

Complaint narrative:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.

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 2019-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my Arizona correct address to a Maryland incorrect address. 

I have spoken with fraud specialists at B of A. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to XXXX that they have an incorrect address. They checked with Bank of America, who told them that I do have a Maryland address. I do not. 

The thief would contact B of A when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.

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 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I took out a loan with XXXX XXXX, which operates as a tribal lender, actually illegal in my state. My loan is paid in full as of today, both the principal and the interest. I did get a bit behind on the loan, and it was reported to the credit bureaus as late. As they are a tribal lender and illegal, they should not have reported to my file. I was told when laying in full I could contact them for a deletion. When I did contact them - after paying in full - they said nothing could be done. 

They are illegal and predatory and are not to be reporting to credit bureaus. 

Please help!!

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 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I cosign for someone on a car loan about 3 years ago. The borrower is allegedly trying to refince the car loan but the borrower haven't completed the process. I would like to be release as the co signer of the car loan, especially since the borrower has made ontime payments for the last two years. What could I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please see this date and accounts that are in inaccuracies : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX bill payment services processes the bill payment services for my credit union. On XX/XX/2018 XXXX issued 2 checks for XXXX XXXX XXXX XXXX XXXX  Check 1 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$260.00} Cleared : XX/XX/18 XXXX Case # XXXX Check 2 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$230.00} Cleared : XX/XX/18 XXXX Case # XXXX The checks were delivered to wrong person and cashed by the wrong person at a Bank of America branch. The canceled check images show that the following endorsement stamp information : Wrong Payee : XXXX XXXX XXXX XXXX confirmed the that correct payee did not receive the checks. They attempted to contact XXXX XXXX XXXX but were only able to leave voice mails with no response. XXXX submitted a request to Bank of America for a credit return in XXXX XXXX. 

During monthly updates from XXXX, I have been told that Bank of America just doesn't see the charge return request of {$500.00} big enough to bother with. 

I need Bank of America to recover the funds deposited into the wrong payee and return the funds.

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 2019-06-24 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I've attempted to contact Diversified Adjustment Service to provide with a written and signed contract between myself and Diversified Adjustment Service regarding repayment, all to no avail. I sent letters to this company XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The only response I've received are statements with my name on them. They refuse to provide the written and signed contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
There was a Victoria Secret card opened some years ago. I called Victoria Secret directly about the alleged amount of {$420.00} which XXXX XXXX is reporting. Victoria Secret stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: AL

Complaint narrative:
XXXX XXXX XXXX has reported a collection account on my credit on behalf of XXXX ; I do not have an account or has never had an account with XXXX. This issue was addressed with XXXX and I was reassured this issue was resolved that this account do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
True Accord that goes by the name of LVNV Funding sent me an email trying to collect XXXX for XXXX XXXX XXXX. XXXX XXXX XXXX me a statement for XXXX asking for XXXX which I paid them by. XXXX XXXX XXXX sent me another statement for XXXX asking for XXXX I asked who owns this account. IF True accord owns this account I was not giving credit for the XXXX and XXXX XXXX has nor rights to the account. If XXXX XXXX owns this account than I do not want to be delinquent to them If both people are trying to collect this than that is conspiracy to defraud me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
This bank is crazy I apply online and they tell me to go the the branch that I need to be id verified I go to the branch and they decline me with no reason this is so unfair!!!! I am very disappointed in being discriminated against here

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
My Identity was stolen and someone opened several accounts in my name with Synchrony Bank, Upon an extensive investigation it was found that these accounts were opened fraudulently and I was liable as noted in the attached letter I recieved from Synchrony Bank, To date the credit bureaus have not been notified or recieved any correspondence from Synchrony Bank to remove this account ( XXXX ending in XXXX ) as stated they would as noted in the attached letter, This account continues to negatively impact my credit file.

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 2019-06-24 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: AZ

Complaint narrative:
My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my XXXX correct address to a XXXX  incorrect address. 

I have spoken with fraud specialists at XXXX XXXX XXXX. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to Experian that they have an incorrect address. They checked with XXXX XXXX XXXX, who told them that I do have a XXXX  address. I do not. 

The thief would contact XXXX XXXX XXXX when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.

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