vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: FL

Complaint narrative:
I sent money via XXXX from my bank ( Bank of America ) to an individual claiming to sell custom furniture. Now, nearly a year later, the furniture has not been delivered and the seller refuses to answer the phone or emails. 

I called my bank, Bank of America and provided all of the information and requested that they initiate a chargeback on my behalf. Bank of America refused to assist me and stated there was nothing they could do. 

The transfer happened on XXXX XX/XX/XXXX for an amount of XXXX to XXXX XXXX XXXX XXXX. Now nearly a year later, XXXX XX/XX/XXXX, XXXX XXXX the owner of XXXX XXXX XXXX XXXX refuses to answer emails, the phone, or deliver the furniture. 

I am preparing to file a lawsuit against XXXX XXXX XXXX XXXX however a much more preferred route would be for Bank of America who I have used as my bank for over 20yrs would at least attempt to recover the 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 explanation
Consumer complaint received 2021-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
review the following account that appear on my credit report, without any authorization, are not mine CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MS

Complaint narrative:
I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX, XXXX, and Equifax on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MS

Complaint narrative:
I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with Experian, XXXX, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

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 2021-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA - XXXX was included in Bankruptcy and XXXX just started reporting a balance for this account. The account balance should be {$0.00}.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX was included in Bankruptcy and Equifax just started reporting a balance for this account. The account balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TN

Complaint narrative:
I submitted a dispute back in may of this year. My XXXX XXXX XXXX XXXX XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX  XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.

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 2021-07-19 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: TN

Complaint narrative:
I submitted a dispute back in may of this year. My US BKPT CT TN XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.

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 2021-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo bank claims I took XXXX out of their ATM machine XX/XX/2020. My statements indicate I did not take anything sout of their ATM. They insist that I did and is charging me late fees and penalies. My credit score was XXXX  now its 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 monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
We have had a Wells Fargo home loan that was in good standing for over 20 years. We pay electronically or via telephone and never review our statement. Our loan is at a 7 % interest rate and although we should have, we did not refinance our loan knowing that it would be paid off XX/XX/XXXX therefore, we always paid whatever the payment computer screen or telephone prompt said to pay. In early XX/XX/XXXX our loan was transferred to a different servicer and we received a statement to review for corrections. We immediately noticed that the maturity date had been extended to XX/XX/XXXX and reached out to both Wells Fargo and XXXX via telephone. After multiple telephone attempts, we sent a certified letter to XXXX which took them almost a month to respond. They submitted a Wells Fargo doc dated XX/XX/XXXX that we have never seen before nor did we sign that extended our loan until XX/XX/XXXX. We asked for correspondence and an account statement and were told that we would have to go to Wells Fargo. When we went to Wells Fargo they stated that they did not have any information surrounding that modification agreement and referred us back to XXXX. We have everything well documented should you need that information. Our loan # with Wells Fargo was # XXXX and our XXXX Loan # 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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The debt collector is in violation of 15 USC 1692c ( a ), 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692c ( b ), 15 USC 1692d ( 1 ) ,15 USC 1692d ( 2 ) ,15 USC 1692d ( 3 ), just to name a few. According to 15 USC 1692k ( 2 ) ( A ) each violation is worth {$1000.00}

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 2021-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have reason to believe, and do so believe, that this Navient Solutions did not loan me anything and I do not have any alleged debt with Navient Solutions. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. Navient Solutions then at some point, purchased this alleged debt and is now attempting to collect on it fraudulently. I have reason to believe pursuant to 15 USC 1692j ( a ) Navient Solutions created and furnished a deceptive form in the attempt to make me the consumer think I got a loan and they are entitled to payment. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response by mail. Navient Solutions has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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:
Experian is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points.

Today I talked with a supervisor who said that all he could do was file another dispute even though Experian has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Experian with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

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 2021-07-19 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: TX

Complaint narrative:
Equifax is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points. 

Today I talked with a supervisor who said that all he could do was file another dispute even though Equifax has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Equifax with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, Capital One closed my Venture card account without warning. I eventually received a letter from the bank that said " Capital One has observed activity on a past or present Capital One account that is not consistent with the banks expectations for account activity. '' But I never did anything unethical or unusual with the account. I simply used the card to pay for things that I would have otherwise paid for with other cards so it's hard to imagine what was " not consistent '' with expectations. Anyway, I understand that they can close my account for any reason. My problem is with how the rewards were handled. 

I had earned nearly XXXX " miles '' on the card. Those miles can usually be used for XXXX cent each towards travel purchases or can be transferred to a number of hotel and airline programs. I had planned to do the latter. 

Instead of giving me a chance to use the rewards the way I had planned, Capital One cashed out my miles at only a half cent each. So, instead of nearly {$600.00} in value, I got only {$290.00}. That is not acceptable, especially since I hadn't done anything wrong to provoke the shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XXXX XXXX - I went to a presentation for their timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Wyndham Rewards Earner Credit Card in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. Instead they filled out a credit card application in my name without my consent, knowledge, or permission.

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 2021-07-19 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: Happy Money, Inc.
State: TX

Complaint narrative:
Happy Money , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over 200 points.

Happy Money, Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code.

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have a number of private student loans with Firstmark Services. I am trying to refinance my loans to lower my monthly payment. I've called Firstmark Services serval times ( XX/XX/XXXX, twice onXX/XX/XXXX, and several times in the prior weeks ). When I contacted them about lowering the payments, they informed me that they only service the loans. They are not the lender and can not change the terms of the loan. The original lender was XXXX. I received a letter from XXXX on XX/XX/XXXX informing me that they had transferred the servicing of my loans to Firstmark Services. ( By the way, Firstmark Services says they can not do any modifications only forbearance. ) When I asked Firstmark Serrvices for information on the lender, the name I was given was XXXX XXXX XXXX XXXX XXXX ( XXXX  ). When I asked for contact information for XXXX, I was told that since XXXX had sold the loan to XXXX  in early XXXX, they did not have the contact information for me. I tried looking online myself and also could not find a phone number. This is completely unacceptable! I am paying monthly on loans and can not get the contact information for the lender. 

I am concerned that these banks and servicers are intentionally making it difficult for consumers. ( On a related note, I was told by Firstmark Services that I should seek to refinance my loans through a 3rd party lender. I tried that option but was unable to do so because I have a high debt-to-income ratio ( even though I have a high credit score and never miss payments ) It is precisely because I pay so much in student loans monthly that I need to reduce my monthly loan payments. )

Company response to consumer: Closed with explanation