vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint with the CFPB on XX/XX/19 regarding a dispute of erroneous information found on my credit report that I mailed to Equifax on XX/XX/19. I did not receive any response from Equifax regarding my dispute which was received by the company of XX/XX/19. I sent a follow up letter to Equifax on XX/XX/19 that it had been more than 30 days and I had not received any results from my dispute of the unverified accounts. Upon receiving the complaint from CFPB, Equifax stated on XX/XX/19 that they initiated an investigation into the items, and it would take 30 days to complete. As of today XX/XX/19 it has been over 30 days from my dispute with CFPB and I have not received any results from my original dispute directly with Equifax on XX/XX/19, nor have I received a response from Equifax per my complaint submitted on XX/XX/19. Despite my written requests and complaints filed with CFBPP, the unverified items listed below still remain on my credit report in violation of Federal Law. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish which has been detrimental to my credit reports. I demand that all references accounts must be deleted and completely removed from my credit report. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX and Account # XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXX XXXX  Date XX/XX/2019 - not authorized by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Good afternoon, I checked my credit report 2 weeks ago and noticed 2 false collections accounts with a collection agency I never heard of or from. I disputed both accounts and was denied with no proof of this debt or any attempt to collect this debt. 
Both accounts are with Firstpoint Coll Resources for  {$330.00} for a visit to XXXX XXXX in XX/XX/2016, 3 years ago. I have paid all of my medical bills and have insurance. I also never received written notification or any communication about this debt. I do not owe this debt. 
The same company submitted another false account of {$91.00} for XX/XX/2016 as well. 
These are not debts I was ever notified of or given any proof of owing. Which is required by law. I have paid all medical debts and do not owe this debt. 
Thank you for your assistance in looking into this and disputing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I contacted all three credit agencies explain it was a fraudulent account on my credit report. XXXX has removed it from their account the account holder is XXXX {$620.00}. I called XXXX explain to them that this collection agency needs to provide proof of signature that I sign for this account I already knew they can not. This collection agency refuse to talk to me telling me I need to contact a lawyer that is unheard of and I'm trying to resolve something that's not mine. XXXX refuse removal from my credit profile. Anybody can open account under someone's name online but they still have to show proof of signature that's very important.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
A certified letter was sent to credit management on XXXX of 2019 for account XXXX and the amount of {$250.00} to dispute. The credit management responded by deleting the account and removing it from my credit, but unfortunately it was only removed from one bureau which was XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a Jumbo Loan in the amount of {>= $1,000,000} for ( 5 ) years and Interest Only with Bank of America. I paid a deposit to  start the process and I have solid credit, solid income and assets over {>= $1,000,000} with Bank of America. The process was terrible, unprofessional and they asked me for the same information which I submitted in a timely manner on multiple occasions and they never delivered on what they promised me. I wanted ( 5 ) years Interest Only and they told me it would be no problem initially and then their terms and conditions changed like a bait and switch. At the end of the process, they told me they would only approve me for ( 7 ) years Interest Only. I never mentioned that I would accept a fully  amortized loan and the loan officer XXXXXXXX XXXX  never mentioned I was approved for a fully amortized loan and not an Interest Only Loan. I closed escrow believing I was getting a 7 years Interest Only Loan and received a 7 years Fully Amortized Loan. Bank of America needs to either change their underwriting guidelines or not be in the business of lending money to consumers of mortgages. They have many complaints against them for Fair Lending Violations and I believe this was a violation of National Fair Lending Standards. I believe they gave me a bad loan because I never asked for a fully amortized loan and now I have one. I asked them to change it because of their own mistake which they admitted verbally and they would not fix the loan. The Bank in my opinion did not treat me professionally and are in violation of Fair Lending Guidelines and I demand their underwriting guidelines be investigated and they be fined or remedy my loan and give me what I had requested. That being said, now I am applying for another loan with another lender that can be trusted.

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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX I went to my local Chase bank to withdrawal money at the ATM and when I tried to do so it told me I did not have the funds. I pulled over in the parking lot and pulled up on my phone the Chase App and noticed that there were two pending transactions one for {$300.00} and one for {$500.00} for a quick pay XXXX payment that I did not do or to a person whom I do not know. I right away went into the bank and told the teller I was hacked and all my funds were gone. She handed me a business card and told me to file a claim with the phone number on the card. I called the fraud department and filed a claim for the fraudulent charges that were still showing pending on my account. The bank froze my account and I had to go to the bank on Monday and open up a knew account and close the other account. Chase has denied my claim and now tells me I owe them {$800.00}. 

Pleased help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
UNPAID ACCOUNT Property Tax Bill The current amount due is {$1400.00}. The probable cause for this delinquency is XXXX XXXX failed to send the full amount due, back in XX/XX/2018. The original amount due was {$1200.00}. XXXX XXXX only sent {$1200.00}, therefor County Tax Collector returned the partial payment and stated they can only accept full payment! 
As of XX/XX/XXXX, 2 emails, 2 phone calls and still not resolved. Or any communication from 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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2019 Deposited a check for {$4000.00} I wrote from a business that I own into my personal account at Bank of America via the ATM. The ATM must have scanned the check as reading {$9000.00}? I have not been able to confirm the ATM 's error with anyone at Bank of America, this is just my theory? 

XX/XX/2019 Bank of America debits my account for {$5000.00} leaving the pending deposit equal to the {$4000.00} amount of the check. 

XX/XX/2019 they {$4000.00} is subtracted from my business account at XXXX XXXX XXXX. 

XX/XX/2019, I notice a hold on my account at Bank of America for {$4000.00} that will be released on XX/XX/2019. 

I called and spoke to customer service. They explained that the error of the check being scanned at {$9000.00} has caused the check to be held to confirm funds. There is nothing that can be done to correct this situation. 

I understand that errors happen. I'm guessing the technology of the ATM didn't scan my check accurately. BUT, they can correct the mistake immediately by debiting my account for {$5000.00} but can't verify the funds are available in less than 11 days! 
During this process I had to make a cash deposit of {$4000.00} so that I may pay my bills! Mortgage payments, auto loans, XXXX, etc etc. This has now tied up {$4000.00} in the check amount on hold and caused me to use {$4000.00} additionally in the cash! Operating a business that is 100 % dependent on cash this is causing revenue loss. I am more than understanding that I should have more closely looked at what the ATM scanned the check for, but holding thousands of dollars for 11 days seems excessive. With the technology to move funds the way they are today this seems very unnecessary!

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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/19 Bank of America charged me 2 overdraft fees on my account. One was for a reoccurring payment for XXXX which was set up via debit card. I explained to BOA that payment was debit and should not have been paid. BOA explained that they pick and choose who theyll still pay if you dont have the funds to cover it. I never agreed to this type of banking. I feel that BOA is getting over on consumers by paying smaller amounts ( which still is not available in my account ) then charge you a overdraft fee due to the funds not being available but wont allow other payments to go through even though its the same situation. I will be closing my account with BOA due to improper practices and not informing consumers on why or how they conduct business.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Suspended my credit card account on XX/XX/2019 and requested some documents which I am supposed to send them back by XX/XX/2019. I have already sent all the documents they have asked for and they should have received it by XX/XX/2019. However, they are telling me that they did not receive anything and if they do not receive it by XX/XX/2019, they will make a decision without those documents. This means they will close my account without even reviewing the documents I have sent them. I spoke with the Bank of America Employees and asked them to give me an extended time to resend the documents, but they rejected me rudely. it is not my fault that they have not received the documents. it is either their fault or the fault of United states Postal office.

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 2019-05-09 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: TX

Complaint narrative:
failure to respond now in fault legaly enclosed companies fail to respond or refuse I request that this alleged account be removed Documents enclosed

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
when i opened my credit report i saw an offer that indicated that i should put my information to accept an offer that was suppose to check my final qualification without affecting my credit which turn out to be false because it immediately affected my credit as an inquiry, it is a false advertising and confusing at the best

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/19, Discover had a XXXX deliver their credit card without a signature onto my front porch at XXXX. I was not home at the time. About 2 hours later, per Discover credit card, there were about {$700.00} on charges on my credit card. At 5 pm the same day, Discover called to ask if I received my credit card, which I told them I had not been home. They said they would start a fraud investigation. About a week later, after I gave XXXX  ( I was XXXX XXXX XXXX   when all the fraud happened ) Discover calls me to tell me that the card was activated from my cell phone number. I told them I did not make that call. 2 weeks later, Discover informs me I am liable for the charges on XX/XX/19-that same day I faxed them my cell phone bill with log showing I did not make the call to activate the card, as well as the police report ID I filed that same day. I feel that Discover has been negligible in investigating this incident as I did not receive the credit card, have proof that I did not make the phone call to activate the card, and is still charging those charges to me. If Discover works with the police to pull the tapes from the XXXX where those fraudulent charges were made, I am sure they wont see a XXXXXX/XX/XXXX lady trying to pull money out of an ATM ( which were a majority of the charges ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX   XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019, I used my PayPal account to buy tickets to a fundraiser event. The person listed as XXXX XXXX told me to send the money {$62.00} as " friends and family '' to them directly for the tickets and then they would email me the tickets. I sent the money and the person told me they never received it. I called PayPal that day and they said the transaction was good. The person scammed me and never gave me the tickets. I called the PayPal representative back and they said to block the transaction through my bank account. I paid an additional {$30.00} to block the payment. Then PayPal had a negative balance on my account saying I owed them the money. I called and spoke to a representative again and said I was scammed. They said they couldn't refund the money sent because I sent it under " friends and family '' and that I was responsible to pay the {$62.00}, even though I was advised prior to blocking the payment. I am very upset the way things were originally advised for me to do and I would like some help in recovering my {$62.00}, even though I am out now {$92.00} for the additional {$30.00} stop payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I submitted a disputed in XXXX and never received any results. Then after more than 30 days I ask for the results and received a results and I ask for a method of verification on those disputes. Im not getting nowhere on these difficult times withTransUnion.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DFC Global Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the  aforementioned permissible XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation