vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019, a man calling himself XXXX XXXX emailed me about an online ad I responded to advertising a studio sublet. We communicated by email and spoke on the phone several times. He shared pictures of the apartment and knew a lot of details about the property, which I checked out online. Due to circumstances, I had to rent a place to live for two months while in another state. 

On XX/XX/2019, I sent him {$2300.00} via XXXX through my Bank of America account. He asked me to send it to XXXX XXXX at XXXX. After the payment, he stopped responding to my texts or phone calls. I realized I was scammed. 

On XX/XX/2019, I filed a claim with Bank of America. They said it would take a week or two for them to make a determination on whether they could refund my money. They also said it wasn't a case of fraud even though this man lied, cheated and never had an apartment to rent because, they said - get this - I sent him the money. I filed a report on the FBI website XXXX. 

On XX/XX/2019, I filed a police report ( attached ). 

On about XX/XX/2019, I'm told via the Bank of America claims dept. that my request for a refund was rejected. I'm also told the account I sent the money to was a Bank of America account and that it was frozen. That same day, I file a second claim through Bank of America, with info from the police report and contact information for the leasing company that manages the apartment. By then, I'd gotten in touch with them to notify them of the scam. 

On XX/XX/XXXX, I called Bank of America to find out what the decision was on my second request. I was informed over the phone that they also rejected this request. The reason, I was told, was because the " costumer '' had closed their account. I said obviously they would close the account because they are XXXX. They didn't send me a letter to notify me of this decision. The tone from the person on the phone was utterly heartless. 

I am so incredibly disappointed with Bank of America. I have been a costumer since the XXXX and they actually helped this person to steal my money. Look at the news, which reports these scams are rampant with the help of XXXX. Most banks refund their customers ' money while Bank of America helps these XXXX get away scot free. It's crime, pure and simple, and Bank of America is complicit.

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 2019-08-09 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: NY

Complaint narrative:
There are two accounts in my credit that do not belong to me, I have tried to fix this problem with Experian but they keep refusing to remove these accounts, they are leaving me no choice but to processed with legal action for violation of the FCRA.

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 2019-08-09 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: OH

Complaint narrative:
XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.

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 2019-08-09 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: OH

Complaint narrative:
XXXX XXXX keeps holding me accountable for an account that was opened in my name. I told them that this isn't my loan and someone stole my information to be approved for this vehicle and to get this vehicle. I never attempted to get a vehicle nor made a payment to these people or this account. If there was an arrangement of a payment it was done by the employees trying to force me to pay something on this fraudulent account. they keep insisting I opened this account. I have not. This is illegal. Please provide me with video footage or audio that I, XXXX XXXX came and opened this account. I didn't and it is unfair when I actually want to get a vehicle in my name and get certain things and this account is fraudulent. Every company have insurance when a person defaults on a payment. I am not the person responsible for this account. Yes it was open in my name but I still didn't know about it nor did I open it. Please erase this from my account or I will pursue other actions. I am XXXX and am on fixed income and can not work and refuse to be accountable because someone hacked my information and stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
Collection Company -Delinquent Recovery -Amount {$240.00} This Debt was added to my credit last month report without any validation no notice through mail nor any contact was Made, I never received anything from this company I contacted them To Let Them know I am Not Paying Anything This Collection Date was A medical Bill From XX/XX/2015 Im not even Sure what this is For I had Insurance at that time I did not have a Balance from XX/XX/2015 according to XXXX XXXX I was not aware of this debt Without Proper Validation This Debt Collection Company Did not verify nor Validate this Debt It was just added to my credit report I am Requesting this Debt Be Deleted And Removed From My XX/XX/XXXXCredit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Date : XXXX A spreadsheet is attached to illustration the complaint below. 

I have three loan accounts with Navient. One of which was paid off online on XX/XX/2019 and the balance has been negative ( overpayment ). But today, Navient website said I still owe them {$81.00} in principal and {$0.00} in interest. This is totally unreasonable and I think even a fraud for CFPB to look into. The balance was negative, meaning I didn't owe them for that loan anymore, but they just came back and say I do. I believe they are not doing their business ethically, and it's very deceptive, taking advantage of the customers. And I was on the phone with multiple people for over an hour. No one could help me close the account that was paid off. And I have to see balance building up for the debt I already paid off. 

In addition to the above loan, I have another issue with another loan, of which the agreed-upon interest rate is XXXX %. But today I see the principal increased {$15.00} by way of capitalization of interest. This is unreasonable because I do not have balance due, payments were made on time. Why this " punishment '' of capitalization of interest? What's more is that the interest portion increased by {$30.00}. This is also upsetting because the XXXX % daily interest should have been {$5.00}, let alone that they capitalized {$15.00} to principal, and there was no corresponding adjustment made in the interest portion. 


I'm very disappointed at and frustrated with Navient, I don't know if it's an honest mistake of their system or they are defrauding their customers. I hope CFPB can help me resolve the issues with Navient. If they are defrauding their customers, please help protect the public with the power you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: IN

Complaint narrative:
MY WIFE AND I APPLIED THROUGH DHI FOR A MORTGAGE FOR A NEW HOME ALREADY BEING BUILT WITH AN ANTICIAPTION COMPLETION DATE OF THE XX/XX/XXXX. AFTER SEVERAL ISSUES WITH COMMUNICATION WITH DHI, WE HAD COME UP WITH AN AGGREEMENT IN ORDER TO GET QUALIFIED FOR THE LOAN. ALL DOCUMENTATION WAS SUBMITTED TO THE MORTGAGE OFFICER AND THE LOAN WAS SUBMITED ON XX/XX/XXXX @ XXXX XX/XX/XXXX. THE TERMS WERE DISCUSSEDWE WOULD ONLY NEED {$11000.00} ( AMOUNT ENDED UP BEING CLOSER TO XXXX ) ON CLOSING DATE. WE DID NOT HAVE THE MONEY AT THE TIME OF SUBMISSION AND IT WAS DISCUSSED THAT WE WOULD HAVE ASSISTANCE FROM MY GRANDMOTHER AND OVERTIME AT WORK. ON XX/XX/XXXX MY GRANDMOTHER INFORMED ME THAT SHE COULD NO LONGER ASSIST WITH THE ADDITIONAL MONEY DUE TO HEALTH PROBLEMS. OVERTIME WAS ALSO CUT. THE INCOME USED WAS ALOS FORM AN ANTICIAPTED START OF A NEW JOB THAT DID NOT FOLOOW THROUGH AND MY STATUS AT MY PRIOR FUUL TIME JOB HAD BEEN SUBMITTED TO BEGIN AS PART TIME AND WAS UNABLE TO RETRACT THAT STATUS. ATTEMPTS TO CONTACT THE MORTGAGE OFFICER WERE MADE WITH NO RESONSE BETWEEN THAT FRIDAY AND SATURDAY TO INFORM HIM OF THE CHANGES. ON MONDAY XX/XX/XXXX, MORE CONTACT WAS ATTEMPTED. AN EMAIL IS FINALLY RECEIVED THAT APPARENTLY MY LOAN OFFICER IS OUT OF THE OFFICE SINCE FRIDAY EVENING. CONTACT THE MANAGER AND THE LOAN OFFICER CONTACTED ME FROM HIS PERSONAL PHONE AND I NOTIFIED HIM OF THE SITUATION AND HE SAID HE WOULD HAVE A SOLUTION OR RESONSE WHEN HE RETURNED TO THE OFFICE ON THURSDAY XX/XX/XXXX. NO WORD FROM THE OFFICE UNTIL XX/XX/XXXX AND IT WAS PRESENTED AS I HAD NEVER INFORMED HIM OF THE SITUATION AND HE STATED THAT I HAVE TO MAKE THE DECISION TO NOT MOVE FORWARD WITH THE LOAN AS THE INFORMATION HE HAS SAYS I QUALIFY EVEN THOUGH DOCUMENTATION HAS BEEN SUBMITED OF THE CHANGES THAT NOW DISQUALIFY ME FROM THE LOAN. HE CONTINUALLY REFUSES TO ADVISE IF HE HAS SUBMITTED THE CHANGES. THE LOAN IS STILL IN PROCESSING AS OF XX/XX/XXXX AND NO COMMUNICATION FROM ANY PARTIES IS BEING GIVEN TO MYSELF OR MY WIFE ON THE STATUS. THEY ARE ATTEMPTING TO FORCE ME INTO A LOAN THAT I DO NOT QUALIFY FOR AND CAN NOT AFFORD TO GET IN TO DUE TO LESS MONEY AVAILABLE TO CLOSE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im a victim of identity theft I need these accounts block from my XXXX   accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CA

Complaint narrative:
Experian is reporting incorrectly ( 120 ) days late on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account was opened fraudulently and does not belong to me. I have attached correspondence from XXXX XXXX   dated XX/XX/2019 and XX/XX/2019 regarding this account and confirmation that this account was in fact opened fraudulently. This account has since been closed. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  I, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX  XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Repeated calls in excess from Care Credit trying to collect on a debt that I am already making payments monthly. Next payment is due XX/XX/2019. Calls have been received on XX/XX/2019 at XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. 

Additionally, they are calling my friends family members numerous times per day every day. 

Calls will not stop even though I have told them to cease and desist. Additionally, they are calling my work every day within a minute of all the call dates and times listed above after they have been told not to call.

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In early XXXX I received a mailed letter ( it was dated XX/XX/2019 by them, however I did not receive it until at least XX/XX/2019 ) from Kohl 's stating that a credit account that I have through them had an amount of {$100.00} that was past due. The letter did not state how long past due the request payment was, only that it was past due. I had received no other communication from them or notifications of request for payment prior to receiving this. I then called and made the payment as requested to bring my account to good standing. Since they did not provide me with the length of time it was past due, I did not worry about this affecting my credit at the time. However, about a month later on XX/XX/2019 I received credit score information via FICO and noticed my score had dropped approximately 70 points due to the missed payment. I then contacted Kohl 's immediately on the same day, XX/XX/2019, to rectify the situation. The representative I spoke with informed me that they had incorrect email address data on file for my account which was why I had not received any account statements or communications from them regarding my account. I also received zero telephone communications or mailed communications from them during any of this time regarding my account even though the phone number and mailing address portions of my contact information were actually correct and could have been used to reach me and would have avoided any of this situation from happening. Only the email portion of my account information was not correct in their data, and that was the only method they had used to attempt to contact me. Despite this admission of error/incorrect information on their part, they still refused to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One repeatedly calls daily. Contacted family member twice regarding personal business and was not authorized. I did notify them to never contact my family member again but they continued against my instructions. They told my family they were a collection agency and wanted to speak with me regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Received a text message from XXXX stating the following : " Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Reply stop to unsubscribe. '' After clicking the link, was redirected to a page requiring me to input social, DOB, and an account number. I looked up the name of the company listed at the bottom of this page as DRS, verified as Direct Recovery Services. Nowhere was I notified that the text, nor the page asking for my personal information was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute XX/XX/2016 regarding an account on my credit report, XXXX XXXX, indicating the date on my credit report is wrong. That account is more than 4 years old. It is dispute # XXXX. 

While I dont have proof on an account that old, I know its while i lived on XXXX XXXX XXXX In XXXX XXXX MD, which is atleast 6 -7 years ago, making that account close to dropping off my credit report. 

According the the FCRA, theyve had 30 days to reply to this dispute, and I'm nearing 3 years.

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 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/2019 in regards to Bank of America not following the Federal law the Expedited Funds Availability Act. Today, this bank has place another hold, on another one of my accounts. This bank is purposely and illegally hold funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 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: AL

Complaint narrative:
I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the XXXX and to my local police department. I am doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief