vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I subscribe to Experian credit reporting and related services under membership # XXXX. 

Experian offered to improve my Experian credit score under its services marketed by the name of Boost. It required that I link my personal checking account so that it can track my utility bills for timely payments for a period of 3 months. I have linked my checking account and further provided the date, the amount of the payment made to the utility companies. Yet, Experian has been unable to identify these accounts. Specifically, it has failed to deliver on its advertised promise of improving credit score in exchange for gaining access to consumers ' checking accounts. This has adversely resulted in a score differential of 100 points. 

I have attached screenshots from my checking account statements of six months refective of all payments made to the utility company, XXXX XXXX and 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 2019-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
The original creditor is XXXX XXXX. I open up my account with them on XX/XX/XXXX paying first bill in advance. By the time I receive the next bill I had canceled my acct with them and went to another provider. They sent out my last bill owing XXXX dollars. This was at the beginning of XXXX. The credit bureau is reporting a debt from XX/XX/XXXX for XXXX dollars and charged off. This account shouldnt be charged off. This acct only had a XXXX balance. And its not that old. Plus, the debt collectors never sent me out notice or gave me a chance to pay before putting it on my credit as a charge-off it just doesnt seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Information incorrect and promotional items showing after a block. I need a full report with all the pages.

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 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FUNDING ASSOCIATES
State: MD

Complaint narrative:
I entered a " Re-Payment '' program with Provident Funding in the past and although I was making my payments on time, because of the re-payment option, I was continually being marked either 30, 60, or 90 days late. I paid back the " Re-Payment '' in good faith and would like to see my Credit Report updated to show either a ( NA XXXX or XXXX - ) in place of the late 30, 60, or 90 days late. I am trying to refinance my Mortgage with XXXX XXXX XXXX XXXX and will get a better rate if my history is updated. Several months in XXXX, XXXX and XXXX reads as No-Data, in late XXXX, XXXX and XXXX, it shows as 30, 60, or 90 days late. Example in XXXX, XXXX = 60, XXXX = 60, XXXX = 30, APR = XXXX, XXXX = 30. Another example in XXXX, XXXX through XXXX = 90 days late, if I made late payments of 90 days for 5 straight months, chances are my mortgage would have foreclosed. Like I stated before, these Re-payments were made in good faith, more recently I have not been late in nearly two straight years. I would like the late payments replaced with Paid-in-full so my credit report/score will improve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt has been settled and paid off in full and wish the amount owed on your report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have hard inquiries on my credit report that don't suppose to be there but TransUnion not trying to work with me or 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 2019-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have hard inquiries on my credit report that don't suppose to be there but XXXX not trying to work with me or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have these different company making wrong report on my credit. Most of these company I do not know and some are predatory. Example is the XXXX XXXX with account number XXXX {$840.00} this company I do not own anything. This company was a predator. I took them to court and I got a judgment in my favor and they still went ahead and make a report on my credit. 
Affirm I do not own them anything XXXX XXXX I do not know XXXX I own nothing. XXXX XXXX XXXX XXXX is with accounts XXXX {$11000.00} they are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX/XXXX/2019 -- Capital One reports massive data breach XXXX/XXXX/2019 -- Capital One unilaterally changes online access to customer credit card log in by requiring dual-factor authentication ( 2FA ) user MOBILE PHONE NUMBER ONLY. Capital One does not permit its customers to use 2FA log in using 2FA apps ( e.g., XXXX authenticator, XXXX authenticator, etc. ). Nor does Capital One have the capability to send a temp code by email for 2FA. 

Why would I give Capital One my mobile phone number when the company just lost XXXX XXXX user data in a breach caused by the company 's gross negligence? 

Result : Based on Capital One 's unilateral change in its service terms and its imposition of a requirement to use an antiquated, insecure 2FA procedure, I can no longer log in online, nor make payments online, thereby causing me to waste time dealing with this company. 

Remedy requested : Require Capital One to offer 2FA options using : 1 ) email and 2 ) widely-available 2FA apps ( that I ( and many others ) use to log in to a wide variety of accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to place a security freeze on credit reporting with Equifax for months. Their site online at https : //my.equifax.com will not let me sign in due to technical difficulties. I have approached Equifax about this problem through their recommended support channel ( their phone number XXXX ), but they are unhelpful. Each time they tell me that it's a temporary technical problem. Temporary technical problems don't last for months, but I guess I shouldn't be surprised since they were so effortlessly breached in 2017. I have contacted Equifax on XXXX via their handle @ AskEquifax, but I didn't receive help through this channel either. 

The way all of this works is incredibly messed up. I never agreed to be tracked by these para-governmental credit reporting agencies. Furthermore, when I wish to place a freeze on my information, I can not get help with doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a complaint against Bank of America for not properly staffing on their fraud call centers and allowing the BOA staff to party and laugh instead of taking time sensitive calls. On XXXX XXXX, 2019 Bank of America sent me a fraud text message about to verify if a check I had written was valid. Bank of America in their notification just gave me a dollar amount not the party the check was made out to. I was at work and did not immediately remember the check though it was for a car loan pay-off. I responded " No '' but within an hour remembered the check and I called in to Bank of America to correct the error. I was on hold for over 20 minutes and through my lunch break so I could not wait on the phone any longer. After work I waiting on hold for Bank of America for over 30 minutes then when i finally spoke to a live person ALL I COULD HEAR WAS THE BACKGROUND OF PEOPLE LAUGHING AND HAVING A GOOD TIME NOT WORKING. I was told by the representative that BOA only gives a time limit to respond the BOA fraud text message or to correct a response to the BOA fraud text message of a few hours, I believe the service rep. said by 3 PM EST, before BOA denies paying a check. Not giving a customer at least one full business day to respond before BOA denies a check to clear is not right but then to intentionally under-staff their call centers and allow employee not to take a call is wrong when BOA puts a short time limit. BOA could easily give days for a proper response when BOA does not even give clear information on the check they are going to deny but I called in time but due to BOA under-staffing and partying my check was wrongfully not paid. BOA should have wired the proceeds to the business at their expense for the staffing and poor customer experience but their complaint area is also understaffed and does not take direct incoming calls. I had the entire day off on Thursday and was not contacted after I returned the BOA complaint area 's call till the next day.

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 2019-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Investigation did not fix error

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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I subscribed to ProtectMyId, an Experian product endorsed by XXXX. Listing my credit cards, glitches with my XXXX XXXX card began. 

I cancelled my {$8.00} monthly XXXX XXXX subscription. 

My credit cards, driver 's license, social security card, birth certificate, XXXX XXXX   insurance card, extra passport photos, library cards, car key, house keys, work keys, PO Box keys, and product cards such as XXXX were stolen from where I live. More than once. I suspect my vehicle was illegally used when while at work, researching behind closed doors and where I live. This is larceny and thus bought the ProtectMyId credit monitoring. 

Is a consumer report used by aggressive marketers, product competitors, and health care subcontractors? 

Stealing my insurance card might be used to buy groceries and create a problem for me. Stealing my photographs and mail might create a fraudulent federal ( U.S. citizen ) identification to travel. 

Connecticut so far hasn't employed me for non-skilled labor, where I'm a life long resident. The Department of Labor won't calculate my Unemployment Benefit rate factually and is in the second Appeal.

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 2019-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Error was not fixed from investigation.

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 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I also found out that there is a home equity loan taken out of my name in XX/XX/2018I dont know what else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
I tried to do a shortsale, I had a buyer and realtor in place to do the short sale. It was with Shellpoint, Mortgage Servicing, it dragged on for years and its still dragging on. 

The last issue what stopped it all was that Shellpoint and XXXX ( XXXX XXXX XXXX XXXX ) can not decide who is in first position on the mortgage. 

Please assist if all possible or if you can not please let me know ASAP, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have closed this account, repeatedly, I've e-mailed, called, even went into the branch and spoke to a person and was assured the account was closed, and yet it still shows up as open.

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 2019-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services
State: TX

Complaint narrative:
I got a payday loan for about {$220.00} over a few months ago. They have been taking out about {$68.00} every other payday. This has been going on since XXXX of last year. The initial payment started in XXXX for {$81.00} then {$67.00} every two weeks since. I tried asking them for a copy of my contract but they haven't given me one. I've also ask them when are they gon na stop withdrawing out of my account but all they can tell me is that I'm still in contract. Per my calculations I have paid over {$800.00} for a {$250.00} loan. Is their a way you can help? Also this particular loan company likes to charge a annual percentage rate of 769.32 % with a financial charge of {$1700.00} making the pay back close to {$1800.00} for a year. The company never informed me of the super high interest or annual financial charge otherwise I would have never taken it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am on an income-based repayment program through Navient with an annual payment of approximately {$560.00} per month. I have five loans at varying rates ( 2 at 6.5 %, 1 at 7.5 % and 2 at 2.25 % ). First, Navient has set up payment on these loans in a manner that I am paying the principal on the two loans with the lowest rates while the remaining loans are being paid at just below the monthly interest that accrues. Not only is this extending my loans payment period overall, but Navient is taking advantage of this scheme to charge additional interest. 
Second, on occasion, payments are not submitted to each loan as my payment plan details. Instead, it is applied to one loan while the others do not even receive the money necessary to cover the interest accrued over that same period. This additional interested is then added to my balance as capitalized interest on my entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
durning my school years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, I struggled with my financnes, so every year I made sure that I contacted Experian to make sure my credit was in good standing, buy asking fo r a forbearance or a deferment for each year, no the companies is saying that I have past due payments for those years above and that is not true, my acct should be fair credit for all my years, no past due, all fair and up to date for all years to this day.

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 2019-08-04 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: PA

Complaint narrative:
Equifax credit bureau is possibly reporting incorrect information being reflected on my credit file/ credit report in regard to my personal credit score. XXXX XXXX reported on XX/XX/2019 that I opened a credit card account, which increased my credit score on both XXXX by 23 points & XXXX bureau credit report by 15 points, however the same reported account with Equifax decreased my account credit score by 35 points. This is unfair because the account is not derogatory it is exactly the same as reported for the other credit bureaus. This XXXX XXXX card is designed to build credit with credit bureaus. I have proof of the changes reflected by all 3 credit bureaus however it will not allow me to attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
One week ago, someone walked into a Chase bank ( while I was out of town ). This person some was able to obtain my checking account info ( I presume w stolen, cancelled credit cards and my old ID ) and then completely drain my checking account. I called immediately when I saw the withdrawal from my account and I was told that since the debit was pending I needed to wait XXXX to XXXX hours to the transaction to clear. When it did the next day and I saw the scanned withdrawal form with my forged signature. I immediately called Chase and they told me they would send me a fraud packet and that hopefully I can recover the {$1300.00} from my paycheck. One week later, no packet, let alone a refund. My account is frozen. I couldn't make my rent or credit card payment in time due to this. I feel violated and appalled by all this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME

Complaint narrative:
I have had trouble with this company shorfalling my escrow account twice now. The first one happened with a shortfall of over XXXX dollars i believe 2yrs ago driving my house payment up. Now ive recieved a notice on my escrow account dated XX/XX/19 that my escrow account is short again by XXXX. Driving my house payment up again from XXXX to XXXX unless i pay the shortfall by XX/XX/19. I cant afford a lump sum like that. Im a XXXX vet on a fixed income

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