vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: SC

Complaint narrative:
I have been applying for work for 30 days. I have been submitted for background checks and their submissions have all denied me work. 

I have a governors pardoned record and expungement. But the consumer reporting agency general information services in XXXX, sc has refused to correctly tell employers my actual n updated record. They have in fact given employers information inaccurate and past 7 years. 

I sent them twice a copy of my sc governors pardon and they have denied recieving it. 

My name is XXXX XXXX. Not XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recoveries, Inc.
State: IL

Complaint narrative:
My situation is in regards to National Recoveries withholding the tax returns belonging to my parents and myself. My parents file taxes jointly but separate from myself. 

This withholding is reportedly for debt owed to the dept. of education ( $ XXXX ) for which my parents were co-signers of loan of origin. This debt has already been paid to completion in good faith through a mixture of monthly payments and multiple past years of tax withholding which in excess of the amount of the debt owed. The completion of these payments is reflected clearly on my credit report and with the financial aid department of the original university. For the years XXXX and XXXX, my tax return was withheld in an attempt to service the " debt. '' Receipts of completion of payment provided to National Recoveries ( XXXX ). Additionally, no prior notice was ever delivered to either household in regards to this withholding which is suggested by federal guidance. Therefore there was no opportunity to contest the withholding and present evidence. Other than this debt, neither of our households have shared any other expenses for over a decade. The IRS does not assist in these affairs. I am having great difficulty in resolving this matter and am considering legal representation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX  credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: SC

Complaint narrative:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX  knows how. I am not at the point of trying to seek legal assistance.

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 2019-03-03 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have went into the bank 4 times and called 7 times.. the bank shows my account open and over 30 days late twice. Once onXXXX and once in XXXX which is not accurate. I closed the account on XX/XX/XXXX. The only late payment was in XXXX. Which was never reported. This inaccuracy has lowered my credit score over 80 points. I am I am in the middle of escrow on a home loan and this is making me in eligible. They REFUSE to correct this!!! I am going to lose my deposits and home loan due to their mistake!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: SC

Complaint narrative:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance.

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 2019-03-03 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: MO

Complaint narrative:
The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) 2 XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX XXXX ( XXXX ) 5 ) 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 2019-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Hi. Ive told Portfolio Recovery Associates that they are not allowed to contact me by phone. They call multiple times per week, on any day. They also use different telephone numbers so that I dont have a number to give you. Ive told them that they can contact me via the United States Postal Service, but they refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 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: MO

Complaint narrative:
The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX   's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX  ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is 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 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient promised me my Student loan account was set to XXXX.. They text me all month of XXXX to assure me.. But then forward my account to the Treasury Department where they took my whole tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
How do I request an investigation of deceptive practices by Equifax? Recently, I checked my credit report and found information in my file that I needed to dispute. When I clicked on " Online Dispute '', I was presented a series of questions that had nothing to do with information in my credit file at Equifax. I answered " None of the Above '' to all of the questions, and was given a response by the website that I couldn't be helped at this time. I XXXX  the issue, and found that thousands of other users reported the same experience. Is there a way to have this investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX  XXXX XXXX, XXXX. This needs to be addressed!

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 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX imoosed pay over time fees to a personal credit card when in fact I paid the card in full. They added late fees and reported 30 and 60 day late pay to the credit agencies. They have resolved the issue by crediting my account but I still have the late credit shown on my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's fraud the inaccurate 's on my credit report which are the soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my Experian, XXXX, XXXX   credit scores and credit reports my XXXX  XXXX adult son and the XXXX   XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own thats why I haven't pursued criminal charges or law enforcement presents in the fraud situation

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 2019-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Checking acc # XXXX. 

Wells Fargo teller told me that I have 6 months in which to deposit a check at teller or ATM. What he did not tell me what that I have one day less at atm. 

Three checks were dated XX/XX/XXXX, and deposited exactly 6 months later on XX/XX/XXXX. 

Because the deposit was through the atm, Wells Fargo treated it as deposited the next day, and charged a fee for deposited a stale dated check. ( {$36.00}, which was {$12.00} times three. ) The {$36.00} fees were assessed XX/XX/XXXX. 

Wells Fargo should refund the {$36.00} fee because it incorrectly told me I had 6 months to deposit the check in the ATM, which warning that it was really 6 months minus one 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 monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I was an authorized user on my brother Capital One Savor credit card account. I was given my own card in my name and I made purchases in XX/XX/2018. I also paid the bill 30 days later when it was due, XX/XX/18. 

Later, my relationship with my brother became strained in XX/XX/2018 with him stalking me and my family and sending us derogatory messages. He also called and reported my purchases as fraud. Now one of my purchases, particularly XXXX want their money again and I already paid them. XXXX also have denied me access to pay with any card because of the returned payments. Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: TX

Complaint narrative:
I have been going through financial hardship and have been in contact with my creditors. I have requested payment assistance, ergo a forebearance and Capitol One will not work with me. I have explained the details of my hardship to multiple phone agents and I have been advised that if my account were to grow further delinquent they may have assistance options, but at that time my account was already 60-90 days delinquent. It seems that the company is encouraging account delinquency before payment assistance/relief will be provided, and therefore negatively impact the customers credit score. I was offered a late fee waiver program where I could pay at any time without the fees but they will still report to the Credit bureau the number of days delinquent, and not that I was in any relief program. After growing further delinquent as I was advised I was initially denied a review for a forebearance, and then upon a 2nd request I was told that I did not qualify for a forebearance in spite of the account being further delinquent. I was told the only relief they will offer me is the late fee waiver program and that they are considering closing my line of credit. I answered their calls, kept them informed of my finances, grew further delinquent as I had been advised to by multiple phone agents, and still no assistance! Now that I'm calling to get pay off information I am not able to get any  information on my account through the automated system, I have to wait another day to talk to a phone agent. I'm sorry, but if they were not willing to assist me, why would I want any phone agent to receive credit for me paying off the balance or bringing the balance down? No matter the level of delinquency on my account, I should have the same rights to access my account as someone who is current on their account! As a creditor they should be willing to work with customers who are trying to resolve their debt and not encouraging customers to grow further delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Last fall, we purchased a XXXX XXXX XXXX from XXXX   XXXX, XXXX, AL, financing it through Bank of America ( BOA ). Later that fall, we secured financing through XXXX XXXX XXXX and they paid off our BOA car loan. I received a letter from BOA dated XX/XX/XXXX verifying that the loan had been paid " in full as of XX/XX/XXXX ''. The letter also suggested I contact the dealer if I bought optional insurance or ancillary products. I had purchased " gap coverage '' from them, to cover any gap between the value of the XXXX and the amount of the loan, in the event of accident, etc. 
I went to the dealership, confirmed that this was indeed the case and requested a refund. This was in early XX/XX/XXXX. They told me they would be sending the refund to BOA, since that was the last loan holder in their records, and they directed me to contact BOA, later. On XX/XX/XXXX, I contacted BOA ( " XXXX '' ). They had no record of a payment. I went to the dealership and secured proof the check was written XX/XX/XXXX and cashed by BOA on XX/XX/XXXX. On XX/XX/XXXX, I called BOA ( " XXXX '' ) and informed them of this. They still had no record but agreed to research it. I subsequently received a letter ( no letterhead ) stating a payment of {$750.00}, was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I called BOA and eventually spoke with a supervisor, " XXXX '', who also denied record of payment. I returned to the dealership and, at XXXX 's direction, had them email to the given email address a copy of the canceled check. On XX/XX/XXXX, I called BOA ( " XXXX '' in XXXX 's absence ), and she had no record and could not access XXXX 's work. On XX/XX/XXXX, I called BOA, this time being handed off to " XXXX '', who also had no record of any of this and tried to persuade me that they were owed the refund and had already credited my account for {$750.00}, back in XX/XX/XXXX, and the check for {$740.00}, sent by the dealership was simply covering that credit they had made. I asked for the address at BOA for me to file a complaint, and he eventually gave it to me ( after the third request ).

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