vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
1 ) why did BOA allow charges over my limit?

2 ) Amount stated due has been disputed withBOA and is due to COVID and country closure.

3 ) BOA has been faxed all supporting documents including email copy of XXXX XXXX stating a refund is coming but is several months out. 

Purchase dates : XX/XX/2021 Disputed with BOA : XX/XX/2021 BOA Call : XX/XX/2021 & XX/XX/2021 Documents faxed to BOA : XX/XX/2021 So BOA is erroneously reporting a bad mark on my credit AND refuses to research or consider the documents sent to them showing country closer due to COVID. They have not kept up their advertising of covering their clients due to COVID related issues and have done no research into the documents provided.

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 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was previously in a Covid Forbearance with my mortgage lender, XXXX XXXX. I requested to come out of the Forbearance and was offered three options. The option I chose was modification which was the best for us in terms of monthly payment going forward. I chose this option without knowing that there would be an indicator placed on our credit as if we defaulted or did not play by the rules. The modification credit indicator may not allow us to take advantage of lower rates or other refinancing opportunities going forward. Even though we were never late on a loan payment before or after the Forbearance, we are being punished it seems. We were not warned that taking the modification option would negatively impact us for at least the next 4 years according to XXXX, XXXX XXXX. We applied for a loan through them and were told they could not help us because of the modification indicator on our credit reports. This will be a huge negative for many consumers as I'm sure many who have taken this option were not properly advised of the negative impact. During Covid, legislation and rules around mortgage loans have changed several times and I'm sure lending institutions are not managing loan programs uniformly. Can someone please reply back to me confirming that what happened to us was proper. If it was proper, I believe many consumers will be negatively impacted by this rule that seems to be resulting in unintended outcomes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
Company is threatening to garnish my wage for a invalid debt that is also showing it is time Bared according to the North Dakota Statute of limitations. Collection of Debt on Account 6 yrs. XX/XX/XXXX ( 2 ) which their bogus verification page shows payment due date of XX/XX/2014 which would be past the statute of limitations anyways. I have sent them letters by certified mail stating to desist from further action and that I do not acknowledge the debt. They said I could do nothing to stop the garnishment. Their charges changed on debt collection notices they sent. From XXXX to XXXX with the verification showing different amounts from XXXX to just the XXXX with bogus charge off principals and finance charges. They are trying scare tactics on me when I am just getting ready to have a XXXX XXXX and are attempting to take advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Informative Research
State: GA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: OR

Complaint narrative:
I tried to verify debt and said I disputed that debt. XXXX, I think his last name was XXXX  he said. Stated they didnt have to verify the debt. I stated that under the ADA law I disputed and he said they were past that. I asked if they had sent me a letter and he states they had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: OK

Complaint narrative:
Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. 

1. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), 2. the have reinserted this account back on my TransUnion credit report without written notice, which is a FCRA violation.

3. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX ( Please see attached proof ) I didnt get a written notifications that this was changed or anything. 
4.They have also changed the portfolio status from one company, XXXX XXXX XXXX XXXX to now XXXX XXXX XXXX XXXX XXXX Also see highlighted that the address had changed. 

Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. Again, a collection is late and past due by default.The reporting again is inaccurate. XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and the payment status is 120 days late. This reporting is a violated the FCRA. I have disputed these items and my credit report still says the same thing. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Also, XXXX wasn't able to properly verify this account. Please explain to me why XXXX  and XXXX  can when all three reporting agencies follow the same law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
OnXX/XX/XXXX-21 I sent in a mortgage payment to Bank of America via my banks electronic payment system. I do this every month to pay the Bank of America mortgage. It was returned on XX/XX/XXXX-2021 with no explanation given. I re-sent the payment on XX/XX/XXXX21 in the exact same manner and it was accepted as it usually is when delivered in this manner. this is the second occurrence with B of A not accepting payment through the federal banking depository system. they have charged me a late fee twice now due to this issue. when I call to resolve the issue and try to diagnose why this is happening I get put in a call transfer loop that I can not escape from. the customer service people have given me separate numbers to call that direct me back to the same automated phone tree. each time I call I am on hold and/or being transferred around for anywhere from 25 to 40 minutes before I have to terminate the call due to the need to attend to other previous commitments. This refusal of funds followed by a late charge is the second occurrence in 12 months with B of A. I have no way of efficiently contacting a live human being with discretionary authority to resolve this issue. I have been unfairly charged for late fees. this is a willful attempt to defraud me of funds that Bank of America is not entitled to.

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 2021-08-16 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: OR

Complaint narrative:
To Whom This May Concern, I contacted XXXX, XXXX, and Equifax months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below. 

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms.

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This compliant is not about my current student loan servicer, but about Navient regarding refinancing my student loans. While the information on the sheet is accurate and has a disclosure at the bottom of the letter, the issue is whether borrowers may not understand or realize the problems they could face refinancing their federal student loans with their private student loans. Further, the correspondence offers borrowers Prescreen & OPT -OUT- Notice by calling XXXX, but in order to opt-out borrower must provide their full SS # 's. If this letter is not from Navient, we could have a lot of harm borrowers with stolen credit information on our hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: MD

Complaint narrative:
I am writing this complaint about XXXX XXXX and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 was withdraw from my account {$5000.00} without my authorization from XXXX, I instantlly called the Chase Bank because I didnt do that transaction, they responded me that they can not do anything because I did before a transaction with that company. I reach the company and they told me to call my bank to reverse the founds and they didnt help me with this. I just want to recover my {$5000.00}. 
The manager told me that because I enter my bank account they cant withdraw money without my authorization any time they want

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a hotel room for the XXXX XXXX XXXX for the dates of XX/XX/XXXX, XXXX XX/XX/2021 through a third party XXXX/ XXXX, the total amount was {$500.00}. Upon arrival to the hotel I experienced a number of issues with the room. I spoke with the Front Office Manager XXXX XXXX. Ms. XXXX, offered me a refund and different room for the inconvenience, I accepted. I never received a refund. I reached out to XXXX  again, she informed that she sent the refund to XXXX XXXX XXXX I reached out to XXXX XXXX who stated XXXX did not submit a refund. I then filed a dispute with Capital One. Capital One credited my account and then recently made a different decision after receiving a response from the XXXX XXXX XXXX XXXX XXXX, response is unreadable and does not support my initial dispute code # XXXX. I requested for Capital One to reconsider it's decision, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: OH

Complaint narrative:
Attempting to collect a debt that is not mine. Sent a letter to debt collection asking for verifiable information and I have not heard anything back it has been over 20 days.

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 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Got a XXXX  XXXX XXXX bill in the mail stating I owe {$290.00} from XXXX XXXX XXXX XXXX service date XX/XX/2020 and I never had a bill in my name ever and never lived here or know who lives/lived at this address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am filing this complaint because the company PHH/Ocwen loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then PHH/Ocwen has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed Ocwen flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. PHH/Ocwen did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. PHH/Ocwens customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, PHH/Ocwen says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Didn't receive documentation verifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

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 2021-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

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