vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX XXXX BANK XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b )  .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. 

My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. 

Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. 

I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. 

Any assistance the CFPB could provide with resolving this matter will be most helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Naviant keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
I received an Unknown / Blocked phone call today. It had no number and I let it go to voicemail. I listened to the voicemail stating that I was being served papers for something, that i had to be at my house or work between XXXX tomorrow. If I had immediate questions contact the Weiss Law Offices. 

I called and the person on the other line could not validate my information. They started yelling at me saying that they will take everything I own, including my children. Not once, did they even state that they were a debt collector, which should have been stated from the voicemail to the phone call.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In a letter dated XX/XX/2019, my wife received a notice from Bank of America stating that they were terminating their banking relationship with her by closing her checking, savings, Mastercard and various other joint accounts she has opened over 25 years. Since my wife and I are joint owners of several of the accounts, I am seriously affected as well. 
On Wednesday, XXXX XXXX XXXX called the phone number given on the termination letter and was told that Bank of America would not give any reason for the account closure and that the decision was final - there was no recourse for my wife or I to keep our accounts open. On XX/XX/XXXX I also visited my local branch of B. of A. where the representative made an official inquiry into the closure, but when another representative responded to me, she simply told me to call the number I had already contacted. Finally, I talked to our investment officer in charge of our accounts at XXXX XXXX on XXXX XXXX as well. He was not able to give me any reason for the closure as well, but he did say that since only my wifes name is on the letter they would let me keep the joint accounts if she removed her name from them. We can only surmise that it is my wifes surname and her original XXXX citizenship that is the reason for this termination even though she has been a naturalized XXXX citizen for 22 years. 
This is outrageous. We have been married for 27 years in XXXX. We have had our bank account with B of A for longer than that and we have substantial combined assets in B of A and XXXX accounts. Even our mortgage is B of A. In other words we should be the kind of client banks should want to keep, not kick to the curb. 
I think Bank of America is continuing the practice of purging XXXX nation citizens from countries with poor reputations. It is truly chilling that they would terminate with no recourse or even asking to confirm citizenship. They are in effect saying, of course, that all XXXX are XXXX XXXX and XXXX XXXX. I have seen newspaper accounts of banks freezing assets and closing accounts of XXXX   XXXX as well. 
I think this is a type of XXXX ( or XXXX? ) profiling. It violates due process and my wife 's civil rights. I demand Bank of America answer for its actions against hardworking XXXX citizens.

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 2019-02-19 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: TX

Complaint narrative:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with Experian and XXXX reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything

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 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney. 

After your property is sold, a creditor must tell you these things in a written notice. 
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.

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 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a dispute online with Equifax regarding a negative account on my credit report. I have received email notifications that they are working on it and I can login to view the status. I can not login to view the status and after calling they wouldnt help me log in. They said they couldnt. My credit score with Equifax dropped XXXX points after I filed the dispute even though a dispute is not supposed to effect my score. Their answer to this was since I hadnt paid {$8.00} to get my fico scores through them they think Im lying and my score didnt drop due to the dispute. I also wont know what my resolution to the dispute is unless I call and ask. They refuse to give me anything in writing which is probably why I cant login

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC

Complaint narrative:
I have received multiple calls and repeated letters to my parents house. When I asked the caller for more information on the specific service for which I owe, they are unable to answer or give me any details. To my knowledge, I have never done business with the client requesting the debt, and without a specific date and service rendered, I said I was unwilling to pay it. The last letter I received was dated XX/XX/XXXX. 

Separately, the tone of the letter is threatening and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MT

Complaint narrative:
I was notified that an account is in collections under my SSN and name. After attempting to call the company several times and being refused assistance I filed a dispute on my credit report. They simply found the account information " accurate '' which is impossible because it's fraud. I have filed a police report. The fraudulent account is with XXXX and their own fraud department told me there is no account under my SSN so how could Experian possibly verify the account as accurate?

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 2019-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had this credit card, and there was unauthorized charges. I contacted XXXX / Synchrony bank to dispute the charges, and I was told I would be credited, and a new credit card would be sent. I never received a replacement card, however I stopped using the account as there was fraudulent activity, and I didn't want to risk someone using my credit card without my authorization again. The balance is now XXXX on my credit report, however its showing on my account as " Charged off as bad debt / Purchased by another lender ''. My account was never charged off, I never was in collections, and my payments were always on time, with my balance being XXXX. I did not owe XXXX or SYNCB any payments.

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 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American express travel related services company has issued to me a check for {$150.00} on XX/XX/2018. 
I did not cash the check on time, it is expired now. I am trying to get a replacement check. 
I tried to contact A E card : the agents said they have no records or information about this check. 
I then XXXX the AE travel related company phone number and called them, but there was a recording stating that the number is not valid ... 
So I called CFPB and was advised to mail my request to the company directly, if that fails, contact the AE credit card and See if they could help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in regards of mishandling of our fixed credit line loan by Bank of America. On XX/XX/XXXX, we have signed loan documents on a fixed rate loan from B of A, with an amortization schedule and a Note, reflecting a Principal/Interest payment of {$820.00}. 

However, when we have noticed that our automatically withdrawn payments are all being applied towards interest only, we have started contacting the originating loan officer and the bank 's customer service and research department. 

At first, we were constantly told that our payments are applied towards both principal and interest, as intended at the origination, however, after persisting to look more in depth, the customer service department did in fact confirm that the payments were applied ONLY towards interest, but not the principal. 

After many frustrating and LONG phone calls, on XX/XX/XXXX, we were finally assured that the errors on bank 's behalf have been corrected, and we have been sent a letter and corrected amortization schedule from B of A 's ALS Research department on XX/XX/XXXX. However, when we checked our statement, our XX/XX/XXXX payment yet AGAIN was applied towards interest only. 

We have tried to contact the person who initially stated the corrections were made and assured us that no more mistakes will be seen, and the originating loan XXXXfficer. However, no one has replied to our requests. 
Furthermore, once we called Customer service on XX/XX/XXXX, we were told that not only our past and XXXX payment were applied towards interest only, but our XX/XX/XXXX payment is also scheduled to be applied towards interest only. 

As of right now, on XX/XX/XXXX, we were told that the errors are going to be corrected again.

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 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you

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 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Good day. This is a complaint against PayPal. I became a victim of a scammer and mistakenly sent {$100.00} to the person who made a fraud, allegedly selling tickets to the concert via XXXX XXXX. That person asked me to send money via " For Friends '' option - which I did, being deceived by the fraudster. 
When I realized that I was robbed, I immediately contacted PayPal, providing them with my full correspondence with the fraudster, which made it clear it was a scam. When PayPal refused to do anything, I instructed my bank to stop this payment, which they did. When PayPal got information that my bank denied this payment to the scammer, they charged .... once again, my credit card tied to the PayPal account, knowing that this is a fraud, and I several times reported the email of the fraudster to their antiscam department. So basically they in PayPal do not care about scam and fraud and actually they help scammers to get their money. 
I can provide all relevant documentation ( my correspondence with the scammer and then with Pay Pal, who consecutevily ignored all my requests and emails ) Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 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: FL

Complaint narrative:
XXXX  and Transunion are reporting me as 30 to 60 days past due on an account that has {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected.

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 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Although I make my payments timely, they are continually reporting my payments as late when, in fact, I pay them before they are actually due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Offer of XXXX points if I upgraded to a new credit card. I did, and they only credited me with XXXX. I sent them the offering they sent me 3 times to get this corrected, but they claim that XXXX was the maximum even though I have the offering

Company response to consumer: Closed with explanation