vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX, without notice, Bank of America force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into Bank of America today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

Bank of America offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to BoA but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, Bank of America also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up Bank of America 's mess. This should be Bank of America 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and Bank of America is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set Bank of America straight.

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 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed with Equifax XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called XXXX collecting for XXXX XXXX XXXX XXXX XXXX. Equifax received my Dispute XX/XX/2017 and they state that they received verification from XXXX of a debt XXXX XXXX, 2017 - that does not belong to me. XXXX could not verify my SSN on these accounts. The information they have in their office that Equifax is reporting on my credit report is not my info yet an Equifax representative and Supervisor XXXX XXXX states that XXXX sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with XXXX he confirmed with me that the last four digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from XXXX then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by XXXX, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on Equifax. I have repeatedly told Equifax that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from Equifax with an update on this matter. And the letter received from XXXX requesting for debt Validation has not been received from Equifax or XXXX connecting me to this debt. I am respectfully requesting for Equifax to remove these XXXX collections accounts that do not belong to me that have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They have not removed the fraudulent information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
NISSAN MOTOR ACCEPTANCE has sold this account years ago and still reporting the account as though it is still owned by Nissan. Also, Nissan has never furnished proof that payments were made on this account for the months XX/XX/XXXX - XX/XX/2010, however, Nissan is reporting payments have been received in order to stay on my credit report longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE

Complaint narrative:
I PAID {$3000.00} BY DEBIT CARD AT A SUPER WALMART IN XXXX DELAWARE FOR A MONEY TRANSFER TO XXXX. WHEN I ARRIVED AT HOME I WENT ONLINE TO VERIFY MY MONEY TRANSFER AS I ALWAYS DO AND THE WEB SITE AT MONEYGRAM SAID MY REFERENCE NUMBER WAS INVALID. I HAD MADE SUCCESSFUL MONEY TRANSFERS ONCE A MONTH FOR OVER XXXX YEARS. I CALLED AND SPOKE TO SOMEONE AT MONEYGRAM WHO SAID I MUST SPEAK TO SOMEONE IN ONE OF THEIR SPECIAL DEPARTMENTS I REPEATEDLY ASKED TO SPEAK WITH SOMEONE IN THE XXXX MANAGEMENT BUT WAS REFUSED. THEY WOULD ONLY ALLOW ME TO SPEAK WITH SOMEONE IN XXXX OR FROM XXXX OR THE XXXX. I WAS TOLD MY TRANSACTION WOULD BE VALIDATED IF I ANSWERED THEIR QUESTIONS. THE QUESTIONS ASKED BY THE MAN FROM XXXX WERE SO RUDE AND INSULTING I LOST MY TEMPER WHICH I BEKIEVE WAS HIS OBJECTIVE. HOWEVER I WAS TOLD I MUST RETURN TO THE WALMART STORE THE NEXT DAY AND MY TRANSACTION WOULD BE COMPLETED. IT WAS A BLATANT LIE! I HAD TO SPEAK BY PHONE TO ANOTHER PERSON FROM XXXX WHO SAID IF I ANSWERED HIS ABSURD QUESTIONS I WOULD BE ABLE TO COMPLETE MY TRANSFER. I ANSWERED HIS QUESTIONS BUT MY TRANSFER WAS DENIED ANYWAY. HOWEVER I WAS GIVEN A REFUND OF MY MONEY. THE PERSONAL QUESTIONS I WAS ASKED HAD NOTHING TO DO WITH MY MONEY TRANSFER AND A PERSON SHOULD NOT BE EXTORTED THIS WAY. I BELIEVE A LAW WAS BROKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
I have contacted RBS Citizens on several occasions regarding my title. I am being told that my automobile is listed in repossessions. RBS citizens repossessed my vehicle over a year ago and payment was current. They refused to bring my vehicle back and I had to go pick it up due to their error. I contacted their corporate office today and was informed my vehicle was shown as paid off. When I asked about the title I was transferred again to repossessions. This even shows as a closed account on my credit report. I have found unexceptional mistakes that RBS citizens has made with consumer accounts. They expect consumers to just take it. The last payment was made in XX/XX/2016. I have not received a statement since and have been awaiting my title. Corporate shows it as paid off and my credit report shows this account as closed. RBS Citizens have been trying to avoid me and their mistakes are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Capital One for Capital One 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Capital One has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help 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 monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX has a false DOFD.THE CORRECT DOFD IS XX/XX/2010.ALL XXXX BUREAUS XXXX AND TU REPORT A DIFFERENT INCORRECT DOFD.ALL ARE ATTACHED TO VIEW THEIR RADICALLY DIFFERENT PAYMENT HISTORIES.ALL XXXX BUREAUS HAVE BEEN " VERIFIED '' RECENTLY WITH ALL DIFFERENT INFORMATION.WITH THE CORRECT DOFD OF XX/XX/2010 the account could be removed from my report now.

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 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with this matter?

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I 'm disputing verification of Chapter XXXX Bankruptcy, I 'm informed that the credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be removed/deleted from all XXXX credit bureau 's, XXXX, XXXX, Experian.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX lied about infomation on report and lied to exprion reporting agents and said thay new in fomation on me when thay lied to make exprion un block id theft block my name is 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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experians upload services do not function ... making it impossible to supply information pertinent to my dispute. 
please see furnisher cfpb complaint XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX IS ATTEMPTING TO COLLECT XXXX DOLLARS BUT HAVE DUPLICATED THE DEBT FOR YEARS AND GIVEN IT XXXX SEPARATE ACCOUNT NUMBERS AND THEN VERIFY BOTH DEBTS.

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 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX reported an unpaid bill several times with several account numbers on my credit report. The bill had been paid. I have spoke with their credit department several times. They apologized and agreed to remove all accounts and delete the information. XXXX has removed it, XXXX has removed it, Experian is still failing to remove it. I do not know if this issue is with experian or XXXX, but experian denied my dispute with them.

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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX account that was under the Fair Credit Reporting Act and it was 7 years on XXXX delequiency in XX/XX/XXXX. I was also reported late in XXXX and XX/XX/XXXX. This should be deleted from my file. They are telling me XX/XX/XXXX it will be deleted. This is not accurate and they are extending the time. Both XXXX and XXXX deleted the XXXX. Please assist in removing these from my 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 explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In the winter of XX/XX/XXXX I went to Wells Fargo for a Pre-Approval letter to purchase a duplex investment property. The loan person XXXX spoke about what good investments rental properties are and said I would need to put up 20 % as a down payment as oppose to VA loans. She gave me a letter stating just that on Wells Fargo letterhead. I negotiated the sell price based on this information, went under contract and submitted it to the bank. Well after ratifying the contract, I got a email from XXXX listing addition items needed to proceed. The last bullet was a note saying " by the way, it 's not 20 % but 25 %. Needlessness to say, I was neither happy about the content, the mis-information or the manner in which it was now being made known. I complained to every level of Wells Fargo and told that nothing could be done but as a token appeasement for this multi XXXX dollar error, the bank would refund me the cost of the appraisal at closing. That did n't happen either. It toke about XXXX weeks. Flash forward to XX/XX/XXXX. I get a escrow shortage letter like none I 've ever seen before for this property. First of all, I have only had the mortgage a year. Secondly, the letter states that even if I pay the lump sum of nearly {$700.00}, my mortgage will still go up about {$70.00} a month and if I do nothing over {$100.00} increase! So I called for an explanation. First I was told that the shortage was caused by tax and insurance increases. I challenged that and the story changed. I have been told that the real reason is that at closing I paid for my flood insurance up front as I was directed to do. Wells Fargo was to escrow for the following year over XX/XX/XXXX and did n't. This is again a bank error and I should n't have to pay for it with a substantial monthly rate increase. I have again complained and have had communication with Wells Fargo 's corporate office. This process has been going on for some time and XXXX of deadlines for resolution have been extended. The last XXXX was XX/XX/XXXX. Got the the call. New date XX/XX/XXXX. It did n't take long to make these mistakes. I have been with this bank for 20 years and deserve better. 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 2017-03-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.

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