vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: CA

Complaint narrative:
I am a US citizen that has retired to the country of XXXX and I have a mailing address in the USofA. I do pretty much all banking & business online and have successfully for 8+ years here in XXXX XXXX My email address on a final page is the best way to contact me. 

I have been trying for weeks to coordinate and unfreezing my credit reports at XXXX, XXXX, & equifax so I could update my mailing address. 

A week ago some difficulty I was able to unfreeze my reports w/ XXXX & XXXX XXXX but equifax remained frozen. 

After several emails & phone calls I was told to send a fax with an image of my passport, CA Drivers license, DOB, SSN, & other  identification information. 

I had to do this twice and finally I was sent a letter that my credit report would be unfrozen, but for the wrong dates. I have attached a copy of that letter to help identify my specific account & problem. 

Equifax 's phone system is now refusing to allow me to speak with a representative and I can not log in online to correct this issue. 

I need to be able to log in to my equifax account reliably when I need. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is foreclosing on my home. I applied for a Mortgage Modification/Loss Mitigation through the Home Affordable Modification Program ( HAMP ) and submitted all of the Modification application to Bank of America on XXXX XXXX. I did not receive anything from Bank of America, I called Bank of America 27 times. I was not given a single point of contact at Bank Of America, and on XX/XX/2019 told by Bank of America that they lost my Mortgage Modification paperwork and that I should contact their law firm XXXX XXXX which I did and was told that they did not have my Mortgage Modification either. Under the Consumer Financial Protection Bureau 's guidelines for Loss Mitigation Procedures and Statutes 1024.41, Bank of America has not exercised diligence and did not put perform reasonable diligence, lost my Mortgage Modification paperwork, and filed the information to a third party which also did not process the Mortgage Modification. Furthermore, I did not receive any written information from Bank of America.

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 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I sent a certificated letter XX/XX/2019 to All-State Credit Bureau XXXX Inc informing them that a debt on my credit report did not belong to me. Im addition, I ask them to provide me with the documentation that was used to verify this debt or remove the debt from my credit report. However, I received insufficient documentation dated for XX/XX/2019. They sent a lease agreement with someone else signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CT

Complaint narrative:
I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big XXXX bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten XXXX responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.

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 2019-09-18 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: Oklahoma Student Loan Authority
State: NY

Complaint narrative:
I start a dispute un XXXX XXXX about the 120 days late payment to chance that update or erase because i try Many times in the past to do my payments and the site never allowed me i have screenshoots of the emails that i send to them AND they never answer. And i need that Fox. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America offered a promotion where if you opened a checking account ( new customer, not existing, which I was not at that time, nor was I previously within many years ) with at least a {$25.00} opening deposit and XXXX direct deposits within the first 60 days of at least {$250.00} each, they would credit the account with the {$100.00} bonus within 60 days of meeting that requirement. The bonus should have been deposited within 60 days of meeting the requirements ( opened account with {$25.00} deposit, {$250.00} direct deposits each deposited XX/XX/XXXX and XXXX on each date ) so the account opening bonus should have been deposited by XXXX. As of today, XX/XX/XXXX, it hasn't been. I contacted bank of America on XXXX spent an hour on the phone with them, they said they would investigate and get back to me with in a week. I did not hear back from them either by a voicemail message left, email on my account or email directly to me. I called again on the XXXX and after waiting for XXXX minutes on hold with no contact with a human being, had to end that call due to work. Today XX/XX/XXXX, I called and spoke with a representative who at first could not locate the offer but after searching for about XXXX minutes finally found it. She said notes on my account indicated this had been escalated. I asked to speak to her supervisor, which I was transferred to and spoke with a floor supervisor. I explained the situation and she said escalation could take XXXX  days to resolve. This is unacceptable because it is clear I met all the requirements. I have saved the link I applied for the account opening bonus. It still shows that I met all the requirements. I find it unacceptable when I have clearly met all the requirements that it will take them 60 days to " investigate ''. I believe it is false advertising and they are hoping people won't fight to try to get the account opening bonus if they delay long enough. I even asked the floor supervisor if she would be able to remove the {$4.00} monthly charges I've incurred from them as a good will gesture due to all the hours I've spent trying to resolve this which I have not been able to. She was not willing to do that. All she could say was " I can look into it ''. That is unacceptable. 

I feel I've been more than patient and that if I had not continuously followed up on this, I would not have gotten the {$100.00} advertised account opening bonus ( and still have not as of today ). This is unacceptable for Bank of America to treat me like this and borders on false advertising and misleading and deceptive practices. 

Please let me know how this will be resolved because Bank of America does not seem to consider this a high priority or be willing to resolve it at all.

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 2019-09-18 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: Pioneer Credit Company, Inc
State: SC

Complaint narrative:
Account # XXXX i called Pioneer Credit on XX/XX/2019 to find out about this accounts. They told me no accounts # still in their system. They would brought out by 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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. 
I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. 
I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is a complaint against Navient-XXXX XXXX for malpractice in the full settlement of private student loan accounts. 

My name is XXXX XXXX XXXX, guarantor ( co-signer ) of the private student loan accounts of my daughter, XXXX XXXX XXXX which is being serviced by Navient. I have been paying these loans myself, being the guarantor, while my daughter is paying the federal student loans which she can only afford to pay by herself. 

On XX/XX/XXXX, I called Navient offering to pay the following XXXX XXXX XXXX XXXX student loan accounts : XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX. I was talking to a lady whose name I can not remember. However, I was advised that our conversation was being taped. The lady said that to settle all the private student loan accounts on this date, I need to pay the total amount of {$45000.00} by issuing a bank check which will be electronically transmitted and debited to my bank account immediately. I then issued my XXXX Bank check # XXXX for the indicated amount. ( Refer to Exhibit XXXX with an arrow pointing to the item ) After this settlement I was expecting from Navient an acknowledgement that all the student loan accounts of my daughter were fully paid. However, Navient was still sending a XXXX XXXX every month for XXXX Account ending XXXX showing balances but demanding no payment. ( Refer to Exhibit XXXX for the latest billing summary received ) On XX/XX/XXXX, I wrote Navient reminding them of the full payment of the student loan accounts and to release me from my guarantee. ( Refer to Exhibit XXXX ) On XX/XX/XXXX Navient replied in a letter ( Refer to Exhibit XXXX ) that Loan Accounts ending in XXXX, XXXX, and XXXX are closed and paid in full with a total amount of {$27000.00}. Navient also stated in the XXXX paragraph of this letter that, regarding Loan Account ending XXXX, they only received a payment of {$29.00} and not enough to pay the loan because there is still left a balance of {$68.00}. This statement is not true because the amount attributed to the payment of Loan ending XXXX would be {$17000.00} [ Check amount of {$45000.00} minus {$27000.00} ( full payment of the other XXXX XXXX XXXX XXXX loan accounts ) ] On XX/XX/XXXX, I wrote back to Navient refusing to pay any amount because the payment of {$45000.00} was agreed to fully pay all XXXX XXXX XXXX XXXX loan accounts. 
Navient should issue me a letter that Loan account ending XXXX has been paid in full, is closed, and I no longer have any financial responsibility to this account. 
The cashing of the check payment of {$45000.00} by Navient is an acceptance of the full settlement agreed by its representative. 

I will appreciate CFPBs intervention to this matter in my favor. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I was contacted last week about owing XXXX for breach of contract on an apartment I had just moved out of. I was very upset, since I knew for fact my contract was up. For XXXX days they called me and i told them this and told them I would get with the apartment management which I did and that I had poof that I was not in breech of contract. They tried to use scare tactics telling me about it following me on my credit and that it probably wouldn't matter what I did or said to prove it was wrong I just needed to pay it. When I finally disproved them then they told me the debt was for something else and yelled at me over the phone that it would just go on my credit. I have never been talked to so rudely and harassed for something that I know I am in the right for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
My son lived with 2 other people on the same apartment. This was at XXXX XXXX apartments unit XXXX. XXXX NJ. After my son died on XX/XX/2017. I got notified by XXXX XXXX XXXX that I owed {$1000.00}. I have many copies of fraud used by my son or the other 2 in the apartment. Clearly my son and someone else forged and committed a crime by using my infomation. I ha e sent out numerous proof and nobody has respectfully responded. A big company like this always committs fraud. They need to be help accountable. 
Also when living at apartment XXXX. My son stole an XXXX and a gold watch as per XXXX. he went to jail shorly afterwards and XXXX   because of a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a capital one card paid it off they shut down my account after 4 mouth of paying everything in full when they closed my account they told me that they closed it for not using the card correct and that they had to send me a check for XXXX dollars I over paid then come two months later and the check never came I called them they told me my account was paid in full and just wait for your check but instead of getting a check I got a bill with fake statement that read I owed them 700 plus dollars and when I compared the two it was not the same all my payments were returned .how can that be after 6mounths there's no way an ACH payment can be returned after that long of time I would have had that on the time they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been on the interest rate reduction plan for several month to help lower my monthly payments by a few hundred dollars ( I owe {$150000.00} - which comes out to {$1300.00} a month without the plan ). When the current plan ended ( {$900.00} a month ) I called to see what my options are - and to hopefully reinstate the interest rate reduction plan. I was told nothing can be done to lower my payment to the rate it was at at that my payment would be increased {$100.00}. ( This comes out to more than 50 % of my income keep in mind ) .This is all fine and dandy but the supervisor I spoke with was extremely rude to me and made me feel bad for asking for assistance. He told me I was the one who signed for the loans and we are not obligated to help you afford your payments. He said its not my problem to help you figure out how to make the payments and your lucky you have been helped out as much as you have been. This guy was a XXXX XXXX XXXX and the 45 min call was no help to me. I told him I would call back and speak with someone else. 

He is right it is not his problem to help me figure out how to afford my payment but when they are taking 50 % of your income they should be willing to work with you. Its just not realistic for them to ask for such a huge portion of your income. I work full time making decent money and also have a second job to make ends meat ... just so I can pay these RUDE people. I am a victim of predatory lending - I signed for these loans when I was just XXXX  and didn't understand the consequences of borrowing money to got to school. 

There needs to be some relief for borrowers so we can have some quality of life before we work our self 's to death trying to pay off our student loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection
shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
the same person keeps calling and I have told them they have the wrong person..

Company response to consumer: Closed with explanation