vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've sent several letters to XXXX & Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items XXXX obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from XXXX dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that XXXX and Experian said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX a month . They reported me with a monthly income of XXXX a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX I am asking Equifax,  XXXX,  XXXX to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: WA

Complaint narrative:
XXXXs website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.

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 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a CapitalOne Platinum card where I have a $XXXX minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up when I first received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the company via mail. I do all of my communication with the credit card companies through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my CapitalOne Platinum credit card account for the month of XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the company was sending me to go to my old address. This cut off all communication with me and the company and I was unaware that I was missing a payment until an associate at CapitalOne called me in XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midlan founding is harrasing. Me whit lawyer calls and whit a falls impersonation of a lawyer . I also don’t ever open this account was a fraud open back in 2015 by some one else and damaged my credit was reported on 2015 as a fraud by my local law enforcement RD#XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 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: NV

Complaint narrative:
XXXX XXXX XXXX  is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX  a month . They reported me with a monthly income of XXXX  a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX  I am asking XXXX,  XXXX,  Transunion to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to 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 explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19 mortgage application with Bank of America was processed and loan estimate was agreed upon both verbally (via phone) and in writing (confirmation for rate lock) at XXXXXXXX. However, the next day (XX/XX/19) it was requested that I write an email to loan officer falsifying that I had been offered same interest rate by competing bank in an effort to justify Bank of America extending and confirming their offer the day prior (XX/XX/19). This request was unethical as there had been no discussion about said competing bank offering the interest rate. When questioned about the request, the loan officer implied that this would be the only way I could get my desired interest rate and continue in my application process. When the loan officer was questioned about the previously discussed and confirmed interest rate from afternoon before (XX/XX/19) it was then discovered that in fact the rate had not been locked in and it would only be locked in if the email was submitted in writing for his records. This represented a very compromising position as I was in escrow and didn’t have much time to waste. However, I refused to falsify records for the sake of protecting the loan officer from the judgment of his colleagues and the leaders of mortgage sector of BOA. I requested that the bank honor the offer that was extended onXX/XX/19 but this request could not be granted. As a result of this unethical practice I ended my mortgage application with Bank of America and had to find another lender during the escrow process. It is unfortunate if this represents a common practice by banks to compete for business by requesting potential customers go on record with a lie to protect their officers. I would like to go on record with consumer financial protection bureau to make them aware of this unethical mortgage lending practice as it appears it may be common practice.

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 2019-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo is holding funds with no reason! This is same as cash Deposits. Me and my kids just went through pure hell cause I couldn't access my funds. Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

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 2019-08-18 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: TX

Complaint narrative:
XXXX XXXX collection XXXX  XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: MoneyLion Inc.
State: CA

Complaint narrative:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by MoneyLion in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: CA

Complaint narrative:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

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 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
XXXX  asked me what hospital I wanted to  go to, I told  them,  they took me to a different one,  they came the next day and picked me up and took me to the original hospital I had asked to go to ,and double billed me.  When I received the second Bill I  called  and asked  why I was receiving it and asked why I  wasn't taken  to it in the first place  and was told they probably didn't service or go to  that hospital  although they picked me up and  took me there on the second day while I  was groggy.

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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are on my credit and I fill that’s they should be removed I don’t recall all the things on my credit it’s about 50 thousand dollars of things on my credit that should be removed it’s holding me up on purchasing me a house also the things on my credit is ver old and should be removed so I can move on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX found my checking account was being debited for money that had nothing to do with something I orderd. I found that the defect is XXXX  someone uses there info to steal money. I called XXXX and they are aware. In the past I had 2 checking accounts with Bank of America they charged me over and over again bank fees. Since I found out about the fraud I checked my statements for Bank of America. I found the same fraud the phone number they use is XXXX  XXXX-XXXX  without basic agencies. One that I found was XXXX  under XXXX XXXX. I need Bank of America to put in a claim for all the checking accounts but its been a least 1 year since I had them as my banker. I was so upset at the money and fees they were taking I would cry and ask them what I could do. I found $XXXX  worth of fraud actions. Can I recover the money and have them review the 2 checking accounts. They go back years. What should I do? Can they refuse to refund me the money and the fees as did XXXX XXXX. XXXX   XXXXXXXXXXXX.XXXX I have been very sick during this time. I took the banks word that all the transaction were correct. I know that this is not good.

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 2019-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As of XX/XX/2019 I had $XXXX in my checking account.  I made purchases using my debit card on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as having had several unexpected automatic withdrawals in the same time frame.  Even though my transactions took place on those dates and were in the processing stage, Bank of America took it upon themselves to hold off on processing the transactions until a check cleared and sent my account into the negative.  The check didn't even show up on my online account or on my mobile app until the XX/XX/XXXX, but the bank shuffled the processing around so that 3 additional transactions which were processing days before processed after the check processed.  This caused my account to be charged 4 overdraft fees of $XXXX each.  Then on top of that they added an additional overdraft fee after my paycheck was directly deposited which brought my account into a positive balance despite the fact that there weren't any additional charges on my account causing it to go negative.  So on top of the 4 overdraft fees that they had already charged me, they added a fifth one, just to pocket extra money.  I tried speaking to customer service and even went as far as to speak with someone claiming to be a supervisor who told me that they would never reimburse any of the charges back to my account, despite being a loyal banking customer of theirs for over 16 years.  Please take notice of the number of transactions that took place putting the account in negative status.

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 2019-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always  paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I am an XXXX XXXX XXXX XXXX in a XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX.  This is my 13th year as a XXXX, but they are telling me I only have 3 years of qualifying payments toward the required 10 years of loan repayments. The program is unnecessarily tricky, and I was encouraged to utilize forbearance rather than counseled earlier to go with income driven. There was also some form that wasn’t filled out in order for years of payments to count. This is rubbish and it’s wrong. Please find a way to make this company correct the years that should count toward my loan forgiveness. Please help me!

Company response to consumer: Closed with explanation